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$48,776
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$50,293
−HK$1,541/mo
Today · 4.125%
HK$51,834
baseline
▲ 0.50% · 4.625%
HK$54,988
+HK$3,154/mo
Deposit HK$10.70M · loan HK$10.70M · min. income ≈ HK$103,668/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$889,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,262
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$55,718
−HK$1,476/mo
Today · 4.125%
HK$57,194
baseline
▲ 0.50% · 4.625%
HK$60,209
+HK$3,015/mo
Deposit HK$10.70M · loan HK$10.70M · min. income ≈ HK$114,388/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$889,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,531
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$60,351
−HK$1,850/mo
Today · 4.125%
HK$62,201
baseline
▲ 0.50% · 4.625%
HK$65,986
+HK$3,785/mo
Deposit HK$8.56M · loan HK$12.83M · min. income ≈ HK$124,402/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$889,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,115
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$66,861
−HK$1,772/mo
Today · 4.125%
HK$68,633
baseline
▲ 0.50% · 4.625%
HK$72,251
+HK$3,618/mo
Deposit HK$8.56M · loan HK$12.83M · min. income ≈ HK$137,266/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$889,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,286
−HK$4,282/mo
▼ 0.25% · 3.875%
HK$70,410
−HK$2,158/mo
Today · 4.125%
HK$72,568
baseline
▲ 0.50% · 4.625%
HK$76,984
+HK$4,416/mo
Deposit HK$6.42M · loan HK$14.97M · min. income ≈ HK$145,136/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$889,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,967
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$78,005
−HK$2,067/mo
Today · 4.125%
HK$80,072
baseline
▲ 0.50% · 4.625%
HK$84,292
+HK$4,220/mo
Deposit HK$6.42M · loan HK$14.97M · min. income ≈ HK$160,144/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$889,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,796
−HK$5,506/mo
▼ 0.25% · 3.875%
HK$90,527
−HK$2,775/mo
Today · 4.125%
HK$93,302
baseline
▲ 0.50% · 4.625%
HK$98,979
+HK$5,677/mo
Deposit HK$2.14M · loan HK$19.25M · min. income ≈ HK$186,604/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$889,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,672
−HK$5,277/mo
▼ 0.25% · 3.875%
HK$100,292
−HK$2,657/mo
Today · 4.125%
HK$102,949
baseline
▲ 0.50% · 4.625%
HK$108,376
+HK$5,427/mo
Deposit HK$2.14M · loan HK$19.25M · min. income ≈ HK$205,898/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$889,045 · Scale 2, in force from 26 Feb 2026)