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$48,975
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$50,499
−HK$1,547/mo
Today · 4.125%
HK$52,046
baseline
▲ 0.50% · 4.625%
HK$55,213
+HK$3,167/mo
Deposit HK$10.74M · loan HK$10.74M · min. income ≈ HK$104,092/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$897,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,485
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$55,946
−HK$1,482/mo
Today · 4.125%
HK$57,428
baseline
▲ 0.50% · 4.625%
HK$60,455
+HK$3,027/mo
Deposit HK$10.74M · loan HK$10.74M · min. income ≈ HK$114,856/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$897,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,770
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$60,598
−HK$1,858/mo
Today · 4.125%
HK$62,456
baseline
▲ 0.50% · 4.625%
HK$66,256
+HK$3,800/mo
Deposit HK$8.59M · loan HK$12.89M · min. income ≈ HK$124,912/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$897,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,381
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$67,135
−HK$1,779/mo
Today · 4.125%
HK$68,914
baseline
▲ 0.50% · 4.625%
HK$72,546
+HK$3,632/mo
Deposit HK$8.59M · loan HK$12.89M · min. income ≈ HK$137,828/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$897,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,565
−HK$4,300/mo
▼ 0.25% · 3.875%
HK$70,698
−HK$2,167/mo
Today · 4.125%
HK$72,865
baseline
▲ 0.50% · 4.625%
HK$77,299
+HK$4,434/mo
Deposit HK$6.44M · loan HK$15.03M · min. income ≈ HK$145,730/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$897,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,278
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$78,324
−HK$2,075/mo
Today · 4.125%
HK$80,399
baseline
▲ 0.50% · 4.625%
HK$84,637
+HK$4,238/mo
Deposit HK$6.44M · loan HK$15.03M · min. income ≈ HK$160,798/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$897,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,155
−HK$5,529/mo
▼ 0.25% · 3.875%
HK$90,898
−HK$2,786/mo
Today · 4.125%
HK$93,684
baseline
▲ 0.50% · 4.625%
HK$99,384
+HK$5,700/mo
Deposit HK$2.15M · loan HK$19.33M · min. income ≈ HK$187,368/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$897,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,072
−HK$5,299/mo
▼ 0.25% · 3.875%
HK$100,702
−HK$2,669/mo
Today · 4.125%
HK$103,371
baseline
▲ 0.50% · 4.625%
HK$108,819
+HK$5,448/mo
Deposit HK$2.15M · loan HK$19.33M · min. income ≈ HK$206,742/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$897,797 · Scale 2, in force from 26 Feb 2026)