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$48,982
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$50,506
−HK$1,548/mo
Today · 4.125%
HK$52,054
baseline
▲ 0.50% · 4.625%
HK$55,221
+HK$3,167/mo
Deposit HK$10.74M · loan HK$10.74M · min. income ≈ HK$104,108/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$898,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,493
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$55,954
−HK$1,483/mo
Today · 4.125%
HK$57,437
baseline
▲ 0.50% · 4.625%
HK$60,464
+HK$3,027/mo
Deposit HK$10.74M · loan HK$10.74M · min. income ≈ HK$114,874/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$898,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,779
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$60,607
−HK$1,858/mo
Today · 4.125%
HK$62,465
baseline
▲ 0.50% · 4.625%
HK$66,266
+HK$3,801/mo
Deposit HK$8.59M · loan HK$12.89M · min. income ≈ HK$124,930/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$898,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,391
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$67,145
−HK$1,779/mo
Today · 4.125%
HK$68,924
baseline
▲ 0.50% · 4.625%
HK$72,557
+HK$3,633/mo
Deposit HK$8.59M · loan HK$12.89M · min. income ≈ HK$137,848/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$898,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,575
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$70,709
−HK$2,167/mo
Today · 4.125%
HK$72,876
baseline
▲ 0.50% · 4.625%
HK$77,310
+HK$4,434/mo
Deposit HK$6.44M · loan HK$15.04M · min. income ≈ HK$145,752/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$898,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,290
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$78,336
−HK$2,075/mo
Today · 4.125%
HK$80,411
baseline
▲ 0.50% · 4.625%
HK$84,650
+HK$4,239/mo
Deposit HK$6.44M · loan HK$15.04M · min. income ≈ HK$160,822/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$898,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,168
−HK$5,529/mo
▼ 0.25% · 3.875%
HK$90,911
−HK$2,786/mo
Today · 4.125%
HK$93,697
baseline
▲ 0.50% · 4.625%
HK$99,399
+HK$5,702/mo
Deposit HK$2.15M · loan HK$19.33M · min. income ≈ HK$187,394/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$898,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,087
−HK$5,299/mo
▼ 0.25% · 3.875%
HK$100,717
−HK$2,669/mo
Today · 4.125%
HK$103,386
baseline
▲ 0.50% · 4.625%
HK$108,835
+HK$5,449/mo
Deposit HK$2.15M · loan HK$19.33M · min. income ≈ HK$206,772/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$898,113 · Scale 2, in force from 26 Feb 2026)