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$48,978
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$50,502
−HK$1,547/mo
Today · 4.125%
HK$52,049
baseline
▲ 0.50% · 4.625%
HK$55,217
+HK$3,168/mo
Deposit HK$10.74M · loan HK$10.74M · min. income ≈ HK$104,098/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$897,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,488
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$55,949
−HK$1,482/mo
Today · 4.125%
HK$57,431
baseline
▲ 0.50% · 4.625%
HK$60,459
+HK$3,028/mo
Deposit HK$10.74M · loan HK$10.74M · min. income ≈ HK$114,862/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$897,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,774
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$60,602
−HK$1,857/mo
Today · 4.125%
HK$62,459
baseline
▲ 0.50% · 4.625%
HK$66,260
+HK$3,801/mo
Deposit HK$8.59M · loan HK$12.89M · min. income ≈ HK$124,918/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$897,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,385
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$67,139
−HK$1,779/mo
Today · 4.125%
HK$68,918
baseline
▲ 0.50% · 4.625%
HK$72,551
+HK$3,633/mo
Deposit HK$8.59M · loan HK$12.89M · min. income ≈ HK$137,836/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$897,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,569
−HK$4,300/mo
▼ 0.25% · 3.875%
HK$70,702
−HK$2,167/mo
Today · 4.125%
HK$72,869
baseline
▲ 0.50% · 4.625%
HK$77,303
+HK$4,434/mo
Deposit HK$6.44M · loan HK$15.04M · min. income ≈ HK$145,738/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$897,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,283
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$78,329
−HK$2,075/mo
Today · 4.125%
HK$80,404
baseline
▲ 0.50% · 4.625%
HK$84,642
+HK$4,238/mo
Deposit HK$6.44M · loan HK$15.04M · min. income ≈ HK$160,808/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$897,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,161
−HK$5,528/mo
▼ 0.25% · 3.875%
HK$90,903
−HK$2,786/mo
Today · 4.125%
HK$93,689
baseline
▲ 0.50% · 4.625%
HK$99,390
+HK$5,701/mo
Deposit HK$2.15M · loan HK$19.33M · min. income ≈ HK$187,378/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$897,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,078
−HK$5,299/mo
▼ 0.25% · 3.875%
HK$100,708
−HK$2,669/mo
Today · 4.125%
HK$103,377
baseline
▲ 0.50% · 4.625%
HK$108,826
+HK$5,449/mo
Deposit HK$2.15M · loan HK$19.33M · min. income ≈ HK$206,754/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$897,922 · Scale 2, in force from 26 Feb 2026)