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$48,977
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$50,500
−HK$1,548/mo
Today · 4.125%
HK$52,048
baseline
▲ 0.50% · 4.625%
HK$55,215
+HK$3,167/mo
Deposit HK$10.74M · loan HK$10.74M · min. income ≈ HK$104,096/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$897,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,486
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$55,947
−HK$1,483/mo
Today · 4.125%
HK$57,430
baseline
▲ 0.50% · 4.625%
HK$60,457
+HK$3,027/mo
Deposit HK$10.74M · loan HK$10.74M · min. income ≈ HK$114,860/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$897,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,772
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$60,600
−HK$1,858/mo
Today · 4.125%
HK$62,458
baseline
▲ 0.50% · 4.625%
HK$66,258
+HK$3,800/mo
Deposit HK$8.59M · loan HK$12.89M · min. income ≈ HK$124,916/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$897,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,383
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$67,137
−HK$1,779/mo
Today · 4.125%
HK$68,916
baseline
▲ 0.50% · 4.625%
HK$72,548
+HK$3,632/mo
Deposit HK$8.59M · loan HK$12.89M · min. income ≈ HK$137,832/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$897,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,567
−HK$4,300/mo
▼ 0.25% · 3.875%
HK$70,700
−HK$2,167/mo
Today · 4.125%
HK$72,867
baseline
▲ 0.50% · 4.625%
HK$77,301
+HK$4,434/mo
Deposit HK$6.44M · loan HK$15.04M · min. income ≈ HK$145,734/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$897,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,281
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$78,326
−HK$2,076/mo
Today · 4.125%
HK$80,402
baseline
▲ 0.50% · 4.625%
HK$84,640
+HK$4,238/mo
Deposit HK$6.44M · loan HK$15.04M · min. income ≈ HK$160,804/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$897,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,158
−HK$5,528/mo
▼ 0.25% · 3.875%
HK$90,900
−HK$2,786/mo
Today · 4.125%
HK$93,686
baseline
▲ 0.50% · 4.625%
HK$99,387
+HK$5,701/mo
Deposit HK$2.15M · loan HK$19.33M · min. income ≈ HK$187,372/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$897,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,075
−HK$5,299/mo
▼ 0.25% · 3.875%
HK$100,705
−HK$2,669/mo
Today · 4.125%
HK$103,374
baseline
▲ 0.50% · 4.625%
HK$108,823
+HK$5,449/mo
Deposit HK$2.15M · loan HK$19.33M · min. income ≈ HK$206,748/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$897,861 · Scale 2, in force from 26 Feb 2026)