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$3,072/mo
▼ 0.25% · 3.875%
HK$50,501
−HK$1,548/mo
Today · 4.125%
HK$52,049
baseline
▲ 0.50% · 4.625%
HK$55,216
+HK$3,167/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$897,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,487
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$55,948
−HK$1,483/mo
Today · 4.125%
HK$57,431
baseline
▲ 0.50% · 4.625%
HK$60,458
+HK$3,027/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$897,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,773
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$60,601
−HK$1,857/mo
Today · 4.125%
HK$62,458
baseline
▲ 0.50% · 4.625%
HK$66,259
+HK$3,801/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$897,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,384
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$67,138
−HK$1,779/mo
Today · 4.125%
HK$68,917
baseline
▲ 0.50% · 4.625%
HK$72,549
+HK$3,632/mo
Deposit HK$8.59M · loan HK$12.89M · min. income ≈ HK$137,834/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$897,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,568
−HK$4,300/mo
▼ 0.25% · 3.875%
HK$70,701
−HK$2,167/mo
Today · 4.125%
HK$72,868
baseline
▲ 0.50% · 4.625%
HK$77,302
+HK$4,434/mo
Deposit HK$6.44M · loan HK$15.04M · min. income ≈ HK$145,736/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$897,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,282
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$78,327
−HK$2,076/mo
Today · 4.125%
HK$80,403
baseline
▲ 0.50% · 4.625%
HK$84,641
+HK$4,238/mo
Deposit HK$6.44M · loan HK$15.04M · min. income ≈ HK$160,806/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$897,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,159
−HK$5,529/mo
▼ 0.25% · 3.875%
HK$90,901
−HK$2,787/mo
Today · 4.125%
HK$93,688
baseline
▲ 0.50% · 4.625%
HK$99,388
+HK$5,700/mo
Deposit HK$2.15M · loan HK$19.33M · min. income ≈ HK$187,376/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$897,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,076
−HK$5,299/mo
▼ 0.25% · 3.875%
HK$100,707
−HK$2,668/mo
Today · 4.125%
HK$103,375
baseline
▲ 0.50% · 4.625%
HK$108,824
+HK$5,449/mo
Deposit HK$2.15M · loan HK$19.33M · min. income ≈ HK$206,750/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$897,888 · Scale 2, in force from 26 Feb 2026)