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$48,551
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$50,062
−HK$1,534/mo
Today · 4.125%
HK$51,596
baseline
▲ 0.50% · 4.625%
HK$54,735
+HK$3,139/mo
Deposit HK$10.65M · loan HK$10.65M · min. income ≈ HK$103,192/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$879,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,013
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$55,461
−HK$1,470/mo
Today · 4.125%
HK$56,931
baseline
▲ 0.50% · 4.625%
HK$59,932
+HK$3,001/mo
Deposit HK$10.65M · loan HK$10.65M · min. income ≈ HK$113,862/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$879,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,262
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$60,074
−HK$1,841/mo
Today · 4.125%
HK$61,915
baseline
▲ 0.50% · 4.625%
HK$65,682
+HK$3,767/mo
Deposit HK$8.52M · loan HK$12.78M · min. income ≈ HK$123,830/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$879,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,815
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$66,554
−HK$1,763/mo
Today · 4.125%
HK$68,317
baseline
▲ 0.50% · 4.625%
HK$71,918
+HK$3,601/mo
Deposit HK$8.52M · loan HK$12.78M · min. income ≈ HK$136,634/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$879,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,972
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$70,086
−HK$2,148/mo
Today · 4.125%
HK$72,234
baseline
▲ 0.50% · 4.625%
HK$76,630
+HK$4,396/mo
Deposit HK$6.39M · loan HK$14.90M · min. income ≈ HK$144,468/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$879,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,618
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$77,646
−HK$2,057/mo
Today · 4.125%
HK$79,703
baseline
▲ 0.50% · 4.625%
HK$83,905
+HK$4,202/mo
Deposit HK$6.39M · loan HK$14.90M · min. income ≈ HK$159,406/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$879,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,392
−HK$5,481/mo
▼ 0.25% · 3.875%
HK$90,111
−HK$2,762/mo
Today · 4.125%
HK$92,873
baseline
▲ 0.50% · 4.625%
HK$98,524
+HK$5,651/mo
Deposit HK$2.13M · loan HK$19.16M · min. income ≈ HK$185,746/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$879,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,223
−HK$5,253/mo
▼ 0.25% · 3.875%
HK$99,831
−HK$2,645/mo
Today · 4.125%
HK$102,476
baseline
▲ 0.50% · 4.625%
HK$107,877
+HK$5,401/mo
Deposit HK$2.13M · loan HK$19.16M · min. income ≈ HK$204,952/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$879,205 · Scale 2, in force from 26 Feb 2026)