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$48,791
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$50,309
−HK$1,542/mo
Today · 4.125%
HK$51,851
baseline
▲ 0.50% · 4.625%
HK$55,006
+HK$3,155/mo
Deposit HK$10.70M · loan HK$10.70M · min. income ≈ HK$103,702/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$889,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,280
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$55,735
−HK$1,477/mo
Today · 4.125%
HK$57,212
baseline
▲ 0.50% · 4.625%
HK$60,228
+HK$3,016/mo
Deposit HK$10.70M · loan HK$10.70M · min. income ≈ HK$114,424/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$889,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,549
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$60,371
−HK$1,850/mo
Today · 4.125%
HK$62,221
baseline
▲ 0.50% · 4.625%
HK$66,007
+HK$3,786/mo
Deposit HK$8.56M · loan HK$12.84M · min. income ≈ HK$124,442/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$889,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,135
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$66,882
−HK$1,773/mo
Today · 4.125%
HK$68,655
baseline
▲ 0.50% · 4.625%
HK$72,273
+HK$3,618/mo
Deposit HK$8.56M · loan HK$12.84M · min. income ≈ HK$137,310/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$889,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,308
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$70,432
−HK$2,159/mo
Today · 4.125%
HK$72,591
baseline
▲ 0.50% · 4.625%
HK$77,008
+HK$4,417/mo
Deposit HK$6.42M · loan HK$14.98M · min. income ≈ HK$145,182/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$889,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,991
−HK$4,106/mo
▼ 0.25% · 3.875%
HK$78,029
−HK$2,068/mo
Today · 4.125%
HK$80,097
baseline
▲ 0.50% · 4.625%
HK$84,319
+HK$4,222/mo
Deposit HK$6.42M · loan HK$14.98M · min. income ≈ HK$160,194/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$889,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,824
−HK$5,507/mo
▼ 0.25% · 3.875%
HK$90,556
−HK$2,775/mo
Today · 4.125%
HK$93,331
baseline
▲ 0.50% · 4.625%
HK$99,010
+HK$5,679/mo
Deposit HK$2.14M · loan HK$19.26M · min. income ≈ HK$186,662/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$889,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,703
−HK$5,279/mo
▼ 0.25% · 3.875%
HK$100,324
−HK$2,658/mo
Today · 4.125%
HK$102,982
baseline
▲ 0.50% · 4.625%
HK$108,410
+HK$5,428/mo
Deposit HK$2.14M · loan HK$19.26M · min. income ≈ HK$205,964/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$889,719 · Scale 2, in force from 26 Feb 2026)