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$48,797
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$50,315
−HK$1,542/mo
Today · 4.125%
HK$51,857
baseline
▲ 0.50% · 4.625%
HK$55,012
+HK$3,155/mo
Deposit HK$10.70M · loan HK$10.70M · min. income ≈ HK$103,714/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$889,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,286
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$55,742
−HK$1,477/mo
Today · 4.125%
HK$57,219
baseline
▲ 0.50% · 4.625%
HK$60,235
+HK$3,016/mo
Deposit HK$10.70M · loan HK$10.70M · min. income ≈ HK$114,438/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$889,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,556
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$60,378
−HK$1,850/mo
Today · 4.125%
HK$62,228
baseline
▲ 0.50% · 4.625%
HK$66,015
+HK$3,787/mo
Deposit HK$8.56M · loan HK$12.84M · min. income ≈ HK$124,456/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$889,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,143
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$66,890
−HK$1,773/mo
Today · 4.125%
HK$68,663
baseline
▲ 0.50% · 4.625%
HK$72,282
+HK$3,619/mo
Deposit HK$8.56M · loan HK$12.84M · min. income ≈ HK$137,326/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$889,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,315
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$70,440
−HK$2,159/mo
Today · 4.125%
HK$72,599
baseline
▲ 0.50% · 4.625%
HK$77,017
+HK$4,418/mo
Deposit HK$6.42M · loan HK$14.98M · min. income ≈ HK$145,198/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$889,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,000
−HK$4,106/mo
▼ 0.25% · 3.875%
HK$78,039
−HK$2,067/mo
Today · 4.125%
HK$80,106
baseline
▲ 0.50% · 4.625%
HK$84,329
+HK$4,223/mo
Deposit HK$6.42M · loan HK$14.98M · min. income ≈ HK$160,212/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$889,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,834
−HK$5,508/mo
▼ 0.25% · 3.875%
HK$90,566
−HK$2,776/mo
Today · 4.125%
HK$93,342
baseline
▲ 0.50% · 4.625%
HK$99,022
+HK$5,680/mo
Deposit HK$2.14M · loan HK$19.26M · min. income ≈ HK$186,684/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$889,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,715
−HK$5,279/mo
▼ 0.25% · 3.875%
HK$100,335
−HK$2,659/mo
Today · 4.125%
HK$102,994
baseline
▲ 0.50% · 4.625%
HK$108,423
+HK$5,429/mo
Deposit HK$2.14M · loan HK$19.26M · min. income ≈ HK$205,988/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$889,970 · Scale 2, in force from 26 Feb 2026)