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$48,996
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$50,520
−HK$1,549/mo
Today · 4.125%
HK$52,069
baseline
▲ 0.50% · 4.625%
HK$55,237
+HK$3,168/mo
Deposit HK$10.74M · loan HK$10.74M · min. income ≈ HK$104,138/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$898,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,508
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$55,970
−HK$1,483/mo
Today · 4.125%
HK$57,453
baseline
▲ 0.50% · 4.625%
HK$60,481
+HK$3,028/mo
Deposit HK$10.74M · loan HK$10.74M · min. income ≈ HK$114,906/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$898,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,795
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$60,624
−HK$1,858/mo
Today · 4.125%
HK$62,482
baseline
▲ 0.50% · 4.625%
HK$66,284
+HK$3,802/mo
Deposit HK$8.59M · loan HK$12.89M · min. income ≈ HK$124,964/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$898,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,409
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$67,164
−HK$1,779/mo
Today · 4.125%
HK$68,943
baseline
▲ 0.50% · 4.625%
HK$72,577
+HK$3,634/mo
Deposit HK$8.59M · loan HK$12.89M · min. income ≈ HK$137,886/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$898,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,595
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$70,728
−HK$2,168/mo
Today · 4.125%
HK$72,896
baseline
▲ 0.50% · 4.625%
HK$77,332
+HK$4,436/mo
Deposit HK$6.45M · loan HK$15.04M · min. income ≈ HK$145,792/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$898,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,311
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$78,358
−HK$2,076/mo
Today · 4.125%
HK$80,434
baseline
▲ 0.50% · 4.625%
HK$84,674
+HK$4,240/mo
Deposit HK$6.45M · loan HK$15.04M · min. income ≈ HK$160,868/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$898,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,193
−HK$5,531/mo
▼ 0.25% · 3.875%
HK$90,937
−HK$2,787/mo
Today · 4.125%
HK$93,724
baseline
▲ 0.50% · 4.625%
HK$99,427
+HK$5,703/mo
Deposit HK$2.15M · loan HK$19.34M · min. income ≈ HK$187,448/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$898,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,114
−HK$5,301/mo
▼ 0.25% · 3.875%
HK$100,745
−HK$2,670/mo
Today · 4.125%
HK$103,415
baseline
▲ 0.50% · 4.625%
HK$108,866
+HK$5,451/mo
Deposit HK$2.15M · loan HK$19.34M · min. income ≈ HK$206,830/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$898,716 · Scale 2, in force from 26 Feb 2026)