The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$48,569
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$50,080
−HK$1,534/mo
Today · 4.125%
HK$51,614
baseline
▲ 0.50% · 4.625%
HK$54,755
+HK$3,141/mo
Deposit HK$10.65M · loan HK$10.65M · min. income ≈ HK$103,228/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$879,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,032
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$55,481
−HK$1,470/mo
Today · 4.125%
HK$56,951
baseline
▲ 0.50% · 4.625%
HK$59,953
+HK$3,002/mo
Deposit HK$10.65M · loan HK$10.65M · min. income ≈ HK$113,902/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$879,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,283
−HK$3,654/mo
▼ 0.25% · 3.875%
HK$60,095
−HK$1,842/mo
Today · 4.125%
HK$61,937
baseline
▲ 0.50% · 4.625%
HK$65,706
+HK$3,769/mo
Deposit HK$8.52M · loan HK$12.78M · min. income ≈ HK$123,874/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$879,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,839
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$66,578
−HK$1,764/mo
Today · 4.125%
HK$68,342
baseline
▲ 0.50% · 4.625%
HK$71,944
+HK$3,602/mo
Deposit HK$8.52M · loan HK$12.78M · min. income ≈ HK$136,684/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$879,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,996
−HK$4,264/mo
▼ 0.25% · 3.875%
HK$70,111
−HK$2,149/mo
Today · 4.125%
HK$72,260
baseline
▲ 0.50% · 4.625%
HK$76,657
+HK$4,397/mo
Deposit HK$6.39M · loan HK$14.91M · min. income ≈ HK$144,520/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$879,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,645
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$77,674
−HK$2,058/mo
Today · 4.125%
HK$79,732
baseline
▲ 0.50% · 4.625%
HK$83,935
+HK$4,203/mo
Deposit HK$6.39M · loan HK$14.91M · min. income ≈ HK$159,464/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$879,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,424
−HK$5,482/mo
▼ 0.25% · 3.875%
HK$90,143
−HK$2,763/mo
Today · 4.125%
HK$92,906
baseline
▲ 0.50% · 4.625%
HK$98,559
+HK$5,653/mo
Deposit HK$2.13M · loan HK$19.17M · min. income ≈ HK$185,812/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$879,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,258
−HK$5,255/mo
▼ 0.25% · 3.875%
HK$99,867
−HK$2,646/mo
Today · 4.125%
HK$102,513
baseline
▲ 0.50% · 4.625%
HK$107,916
+HK$5,403/mo
Deposit HK$2.13M · loan HK$19.17M · min. income ≈ HK$205,026/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$879,971 · Scale 2, in force from 26 Feb 2026)