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$48,787
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$50,304
−HK$1,542/mo
Today · 4.125%
HK$51,846
baseline
▲ 0.50% · 4.625%
HK$55,001
+HK$3,155/mo
Deposit HK$10.70M · loan HK$10.70M · min. income ≈ HK$103,692/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$889,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,275
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$55,730
−HK$1,477/mo
Today · 4.125%
HK$57,207
baseline
▲ 0.50% · 4.625%
HK$60,222
+HK$3,015/mo
Deposit HK$10.70M · loan HK$10.70M · min. income ≈ HK$114,414/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$889,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,544
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$60,365
−HK$1,850/mo
Today · 4.125%
HK$62,215
baseline
▲ 0.50% · 4.625%
HK$66,001
+HK$3,786/mo
Deposit HK$8.56M · loan HK$12.84M · min. income ≈ HK$124,430/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$889,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,130
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$66,876
−HK$1,772/mo
Today · 4.125%
HK$68,648
baseline
▲ 0.50% · 4.625%
HK$72,267
+HK$3,619/mo
Deposit HK$8.56M · loan HK$12.84M · min. income ≈ HK$137,296/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$889,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,301
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$70,426
−HK$2,158/mo
Today · 4.125%
HK$72,584
baseline
▲ 0.50% · 4.625%
HK$77,001
+HK$4,417/mo
Deposit HK$6.42M · loan HK$14.98M · min. income ≈ HK$145,168/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$889,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,984
−HK$4,106/mo
▼ 0.25% · 3.875%
HK$78,022
−HK$2,068/mo
Today · 4.125%
HK$80,090
baseline
▲ 0.50% · 4.625%
HK$84,311
+HK$4,221/mo
Deposit HK$6.42M · loan HK$14.98M · min. income ≈ HK$160,180/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$889,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,816
−HK$5,507/mo
▼ 0.25% · 3.875%
HK$90,548
−HK$2,775/mo
Today · 4.125%
HK$93,323
baseline
▲ 0.50% · 4.625%
HK$99,001
+HK$5,678/mo
Deposit HK$2.14M · loan HK$19.26M · min. income ≈ HK$186,646/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$889,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,694
−HK$5,278/mo
▼ 0.25% · 3.875%
HK$100,314
−HK$2,658/mo
Today · 4.125%
HK$102,972
baseline
▲ 0.50% · 4.625%
HK$108,400
+HK$5,428/mo
Deposit HK$2.14M · loan HK$19.26M · min. income ≈ HK$205,944/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$889,524 · Scale 2, in force from 26 Feb 2026)