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$48,962
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$50,485
−HK$1,547/mo
Today · 4.125%
HK$52,032
baseline
▲ 0.50% · 4.625%
HK$55,198
+HK$3,166/mo
Deposit HK$10.74M · loan HK$10.74M · min. income ≈ HK$104,064/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$897,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,470
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$55,931
−HK$1,482/mo
Today · 4.125%
HK$57,413
baseline
▲ 0.50% · 4.625%
HK$60,439
+HK$3,026/mo
Deposit HK$10.74M · loan HK$10.74M · min. income ≈ HK$114,826/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$897,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,754
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$60,582
−HK$1,857/mo
Today · 4.125%
HK$62,439
baseline
▲ 0.50% · 4.625%
HK$66,238
+HK$3,799/mo
Deposit HK$8.59M · loan HK$12.88M · min. income ≈ HK$124,878/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$897,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,364
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$67,117
−HK$1,778/mo
Today · 4.125%
HK$68,895
baseline
▲ 0.50% · 4.625%
HK$72,527
+HK$3,632/mo
Deposit HK$8.59M · loan HK$12.88M · min. income ≈ HK$137,790/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$897,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,547
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$70,679
−HK$2,166/mo
Today · 4.125%
HK$72,845
baseline
▲ 0.50% · 4.625%
HK$77,278
+HK$4,433/mo
Deposit HK$6.44M · loan HK$15.03M · min. income ≈ HK$145,690/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$897,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,258
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$78,303
−HK$2,075/mo
Today · 4.125%
HK$80,378
baseline
▲ 0.50% · 4.625%
HK$84,614
+HK$4,236/mo
Deposit HK$6.44M · loan HK$15.03M · min. income ≈ HK$160,756/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$897,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,132
−HK$5,526/mo
▼ 0.25% · 3.875%
HK$90,873
−HK$2,785/mo
Today · 4.125%
HK$93,658
baseline
▲ 0.50% · 4.625%
HK$99,357
+HK$5,699/mo
Deposit HK$2.15M · loan HK$19.32M · min. income ≈ HK$187,316/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$897,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,046
−HK$5,297/mo
▼ 0.25% · 3.875%
HK$100,675
−HK$2,668/mo
Today · 4.125%
HK$103,343
baseline
▲ 0.50% · 4.625%
HK$108,790
+HK$5,447/mo
Deposit HK$2.15M · loan HK$19.32M · min. income ≈ HK$206,686/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$897,216 · Scale 2, in force from 26 Feb 2026)