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$48,994
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$50,518
−HK$1,549/mo
Today · 4.125%
HK$52,067
baseline
▲ 0.50% · 4.625%
HK$55,235
+HK$3,168/mo
Deposit HK$10.74M · loan HK$10.74M · min. income ≈ HK$104,134/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$898,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,506
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$55,967
−HK$1,483/mo
Today · 4.125%
HK$57,450
baseline
▲ 0.50% · 4.625%
HK$60,479
+HK$3,029/mo
Deposit HK$10.74M · loan HK$10.74M · min. income ≈ HK$114,900/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$898,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,793
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$60,622
−HK$1,858/mo
Today · 4.125%
HK$62,480
baseline
▲ 0.50% · 4.625%
HK$66,282
+HK$3,802/mo
Deposit HK$8.59M · loan HK$12.89M · min. income ≈ HK$124,960/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$898,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,407
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$67,161
−HK$1,779/mo
Today · 4.125%
HK$68,940
baseline
▲ 0.50% · 4.625%
HK$72,574
+HK$3,634/mo
Deposit HK$8.59M · loan HK$12.89M · min. income ≈ HK$137,880/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$898,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,592
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$70,725
−HK$2,168/mo
Today · 4.125%
HK$72,893
baseline
▲ 0.50% · 4.625%
HK$77,329
+HK$4,436/mo
Deposit HK$6.45M · loan HK$15.04M · min. income ≈ HK$145,786/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$898,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,308
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$78,354
−HK$2,076/mo
Today · 4.125%
HK$80,430
baseline
▲ 0.50% · 4.625%
HK$84,670
+HK$4,240/mo
Deposit HK$6.45M · loan HK$15.04M · min. income ≈ HK$160,860/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$898,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,189
−HK$5,531/mo
▼ 0.25% · 3.875%
HK$90,933
−HK$2,787/mo
Today · 4.125%
HK$93,720
baseline
▲ 0.50% · 4.625%
HK$99,422
+HK$5,702/mo
Deposit HK$2.15M · loan HK$19.34M · min. income ≈ HK$187,440/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$898,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,110
−HK$5,301/mo
▼ 0.25% · 3.875%
HK$100,741
−HK$2,670/mo
Today · 4.125%
HK$103,411
baseline
▲ 0.50% · 4.625%
HK$108,861
+HK$5,450/mo
Deposit HK$2.15M · loan HK$19.34M · min. income ≈ HK$206,822/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$898,626 · Scale 2, in force from 26 Feb 2026)