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$48,565
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$50,076
−HK$1,535/mo
Today · 4.125%
HK$51,611
baseline
▲ 0.50% · 4.625%
HK$54,751
+HK$3,140/mo
Deposit HK$10.65M · loan HK$10.65M · min. income ≈ HK$103,222/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$879,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,028
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$55,477
−HK$1,470/mo
Today · 4.125%
HK$56,947
baseline
▲ 0.50% · 4.625%
HK$59,949
+HK$3,002/mo
Deposit HK$10.65M · loan HK$10.65M · min. income ≈ HK$113,894/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$879,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,278
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$60,091
−HK$1,842/mo
Today · 4.125%
HK$61,933
baseline
▲ 0.50% · 4.625%
HK$65,701
+HK$3,768/mo
Deposit HK$8.52M · loan HK$12.78M · min. income ≈ HK$123,866/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$879,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,834
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$66,573
−HK$1,764/mo
Today · 4.125%
HK$68,337
baseline
▲ 0.50% · 4.625%
HK$71,939
+HK$3,602/mo
Deposit HK$8.52M · loan HK$12.78M · min. income ≈ HK$136,674/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$879,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,991
−HK$4,264/mo
▼ 0.25% · 3.875%
HK$70,106
−HK$2,149/mo
Today · 4.125%
HK$72,255
baseline
▲ 0.50% · 4.625%
HK$76,651
+HK$4,396/mo
Deposit HK$6.39M · loan HK$14.91M · min. income ≈ HK$144,510/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$879,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,640
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$77,668
−HK$2,058/mo
Today · 4.125%
HK$79,726
baseline
▲ 0.50% · 4.625%
HK$83,929
+HK$4,203/mo
Deposit HK$6.39M · loan HK$14.91M · min. income ≈ HK$159,452/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$879,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,417
−HK$5,482/mo
▼ 0.25% · 3.875%
HK$90,136
−HK$2,763/mo
Today · 4.125%
HK$92,899
baseline
▲ 0.50% · 4.625%
HK$98,552
+HK$5,653/mo
Deposit HK$2.13M · loan HK$19.17M · min. income ≈ HK$185,798/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$879,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,251
−HK$5,254/mo
▼ 0.25% · 3.875%
HK$99,859
−HK$2,646/mo
Today · 4.125%
HK$102,505
baseline
▲ 0.50% · 4.625%
HK$107,908
+HK$5,403/mo
Deposit HK$2.13M · loan HK$19.17M · min. income ≈ HK$205,010/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$879,812 · Scale 2, in force from 26 Feb 2026)