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$49,001
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$50,525
−HK$1,549/mo
Today · 4.125%
HK$52,074
baseline
▲ 0.50% · 4.625%
HK$55,243
+HK$3,169/mo
Deposit HK$10.74M · loan HK$10.74M · min. income ≈ HK$104,148/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$898,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,513
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$55,975
−HK$1,483/mo
Today · 4.125%
HK$57,458
baseline
▲ 0.50% · 4.625%
HK$60,487
+HK$3,029/mo
Deposit HK$10.74M · loan HK$10.74M · min. income ≈ HK$114,916/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$898,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,801
−HK$3,688/mo
▼ 0.25% · 3.875%
HK$60,630
−HK$1,859/mo
Today · 4.125%
HK$62,489
baseline
▲ 0.50% · 4.625%
HK$66,291
+HK$3,802/mo
Deposit HK$8.60M · loan HK$12.89M · min. income ≈ HK$124,978/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$898,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,416
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$67,170
−HK$1,780/mo
Today · 4.125%
HK$68,950
baseline
▲ 0.50% · 4.625%
HK$72,585
+HK$3,635/mo
Deposit HK$8.60M · loan HK$12.89M · min. income ≈ HK$137,900/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$898,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,602
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$70,736
−HK$2,168/mo
Today · 4.125%
HK$72,904
baseline
▲ 0.50% · 4.625%
HK$77,340
+HK$4,436/mo
Deposit HK$6.45M · loan HK$15.04M · min. income ≈ HK$145,808/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$898,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,319
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$78,365
−HK$2,077/mo
Today · 4.125%
HK$80,442
baseline
▲ 0.50% · 4.625%
HK$84,682
+HK$4,240/mo
Deposit HK$6.45M · loan HK$15.04M · min. income ≈ HK$160,884/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$898,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,202
−HK$5,531/mo
▼ 0.25% · 3.875%
HK$90,946
−HK$2,787/mo
Today · 4.125%
HK$93,733
baseline
▲ 0.50% · 4.625%
HK$99,437
+HK$5,704/mo
Deposit HK$2.15M · loan HK$19.34M · min. income ≈ HK$187,466/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$898,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,124
−HK$5,301/mo
▼ 0.25% · 3.875%
HK$100,756
−HK$2,669/mo
Today · 4.125%
HK$103,425
baseline
▲ 0.50% · 4.625%
HK$108,877
+HK$5,452/mo
Deposit HK$2.15M · loan HK$19.34M · min. income ≈ HK$206,850/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$898,933 · Scale 2, in force from 26 Feb 2026)