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$48,787
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$50,305
−HK$1,542/mo
Today · 4.125%
HK$51,847
baseline
▲ 0.50% · 4.625%
HK$55,001
+HK$3,154/mo
Deposit HK$10.70M · loan HK$10.70M · min. income ≈ HK$103,694/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$889,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,275
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$55,731
−HK$1,477/mo
Today · 4.125%
HK$57,208
baseline
▲ 0.50% · 4.625%
HK$60,223
+HK$3,015/mo
Deposit HK$10.70M · loan HK$10.70M · min. income ≈ HK$114,416/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$889,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,545
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$60,366
−HK$1,850/mo
Today · 4.125%
HK$62,216
baseline
▲ 0.50% · 4.625%
HK$66,002
+HK$3,786/mo
Deposit HK$8.56M · loan HK$12.84M · min. income ≈ HK$124,432/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$889,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,131
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$66,877
−HK$1,772/mo
Today · 4.125%
HK$68,649
baseline
▲ 0.50% · 4.625%
HK$72,268
+HK$3,619/mo
Deposit HK$8.56M · loan HK$12.84M · min. income ≈ HK$137,298/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$889,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,302
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$70,427
−HK$2,158/mo
Today · 4.125%
HK$72,585
baseline
▲ 0.50% · 4.625%
HK$77,002
+HK$4,417/mo
Deposit HK$6.42M · loan HK$14.98M · min. income ≈ HK$145,170/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$889,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,986
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$78,023
−HK$2,068/mo
Today · 4.125%
HK$80,091
baseline
▲ 0.50% · 4.625%
HK$84,313
+HK$4,222/mo
Deposit HK$6.42M · loan HK$14.98M · min. income ≈ HK$160,182/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$889,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,817
−HK$5,507/mo
▼ 0.25% · 3.875%
HK$90,549
−HK$2,775/mo
Today · 4.125%
HK$93,324
baseline
▲ 0.50% · 4.625%
HK$99,003
+HK$5,679/mo
Deposit HK$2.14M · loan HK$19.26M · min. income ≈ HK$186,648/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$889,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,696
−HK$5,278/mo
▼ 0.25% · 3.875%
HK$100,316
−HK$2,658/mo
Today · 4.125%
HK$102,974
baseline
▲ 0.50% · 4.625%
HK$108,402
+HK$5,428/mo
Deposit HK$2.14M · loan HK$19.26M · min. income ≈ HK$205,948/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$889,555 · Scale 2, in force from 26 Feb 2026)