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$48,966
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$50,489
−HK$1,548/mo
Today · 4.125%
HK$52,037
baseline
▲ 0.50% · 4.625%
HK$55,203
+HK$3,166/mo
Deposit HK$10.74M · loan HK$10.74M · min. income ≈ HK$104,074/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$897,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,475
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$55,936
−HK$1,482/mo
Today · 4.125%
HK$57,418
baseline
▲ 0.50% · 4.625%
HK$60,444
+HK$3,026/mo
Deposit HK$10.74M · loan HK$10.74M · min. income ≈ HK$114,836/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$897,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,760
−HK$3,684/mo
▼ 0.25% · 3.875%
HK$60,587
−HK$1,857/mo
Today · 4.125%
HK$62,444
baseline
▲ 0.50% · 4.625%
HK$66,244
+HK$3,800/mo
Deposit HK$8.59M · loan HK$12.88M · min. income ≈ HK$124,888/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$897,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,369
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$67,123
−HK$1,778/mo
Today · 4.125%
HK$68,901
baseline
▲ 0.50% · 4.625%
HK$72,533
+HK$3,632/mo
Deposit HK$8.59M · loan HK$12.88M · min. income ≈ HK$137,802/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$897,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,553
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$70,685
−HK$2,167/mo
Today · 4.125%
HK$72,852
baseline
▲ 0.50% · 4.625%
HK$77,285
+HK$4,433/mo
Deposit HK$6.44M · loan HK$15.03M · min. income ≈ HK$145,704/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$897,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,264
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$78,310
−HK$2,075/mo
Today · 4.125%
HK$80,385
baseline
▲ 0.50% · 4.625%
HK$84,622
+HK$4,237/mo
Deposit HK$6.44M · loan HK$15.03M · min. income ≈ HK$160,770/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$897,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,139
−HK$5,528/mo
▼ 0.25% · 3.875%
HK$90,881
−HK$2,786/mo
Today · 4.125%
HK$93,667
baseline
▲ 0.50% · 4.625%
HK$99,366
+HK$5,699/mo
Deposit HK$2.15M · loan HK$19.33M · min. income ≈ HK$187,334/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$897,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,054
−HK$5,298/mo
▼ 0.25% · 3.875%
HK$100,684
−HK$2,668/mo
Today · 4.125%
HK$103,352
baseline
▲ 0.50% · 4.625%
HK$108,800
+HK$5,448/mo
Deposit HK$2.15M · loan HK$19.33M · min. income ≈ HK$206,704/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$897,405 · Scale 2, in force from 26 Feb 2026)