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$48,803
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$50,321
−HK$1,543/mo
Today · 4.125%
HK$51,864
baseline
▲ 0.50% · 4.625%
HK$55,019
+HK$3,155/mo
Deposit HK$10.70M · loan HK$10.70M · min. income ≈ HK$103,728/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$890,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,293
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$55,749
−HK$1,477/mo
Today · 4.125%
HK$57,226
baseline
▲ 0.50% · 4.625%
HK$60,243
+HK$3,017/mo
Deposit HK$10.70M · loan HK$10.70M · min. income ≈ HK$114,452/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$890,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,564
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$60,386
−HK$1,850/mo
Today · 4.125%
HK$62,236
baseline
▲ 0.50% · 4.625%
HK$66,023
+HK$3,787/mo
Deposit HK$8.56M · loan HK$12.84M · min. income ≈ HK$124,472/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$890,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,152
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$66,899
−HK$1,773/mo
Today · 4.125%
HK$68,672
baseline
▲ 0.50% · 4.625%
HK$72,291
+HK$3,619/mo
Deposit HK$8.56M · loan HK$12.84M · min. income ≈ HK$137,344/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$890,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,324
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$70,450
−HK$2,159/mo
Today · 4.125%
HK$72,609
baseline
▲ 0.50% · 4.625%
HK$77,027
+HK$4,418/mo
Deposit HK$6.42M · loan HK$14.98M · min. income ≈ HK$145,218/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$890,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,010
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$78,049
−HK$2,068/mo
Today · 4.125%
HK$80,117
baseline
▲ 0.50% · 4.625%
HK$84,340
+HK$4,223/mo
Deposit HK$6.42M · loan HK$14.98M · min. income ≈ HK$160,234/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$890,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,846
−HK$5,508/mo
▼ 0.25% · 3.875%
HK$90,578
−HK$2,776/mo
Today · 4.125%
HK$93,354
baseline
▲ 0.50% · 4.625%
HK$99,035
+HK$5,681/mo
Deposit HK$2.14M · loan HK$19.26M · min. income ≈ HK$186,708/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$890,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,728
−HK$5,279/mo
▼ 0.25% · 3.875%
HK$100,349
−HK$2,658/mo
Today · 4.125%
HK$103,007
baseline
▲ 0.50% · 4.625%
HK$108,437
+HK$5,430/mo
Deposit HK$2.14M · loan HK$19.26M · min. income ≈ HK$206,014/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$890,251 · Scale 2, in force from 26 Feb 2026)