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$48,981
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$50,504
−HK$1,548/mo
Today · 4.125%
HK$52,052
baseline
▲ 0.50% · 4.625%
HK$55,220
+HK$3,168/mo
Deposit HK$10.74M · loan HK$10.74M · min. income ≈ HK$104,104/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$898,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,491
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$55,952
−HK$1,483/mo
Today · 4.125%
HK$57,435
baseline
▲ 0.50% · 4.625%
HK$60,462
+HK$3,027/mo
Deposit HK$10.74M · loan HK$10.74M · min. income ≈ HK$114,870/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$898,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,777
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$60,605
−HK$1,858/mo
Today · 4.125%
HK$62,463
baseline
▲ 0.50% · 4.625%
HK$66,264
+HK$3,801/mo
Deposit HK$8.59M · loan HK$12.89M · min. income ≈ HK$124,926/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$898,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,389
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$67,142
−HK$1,780/mo
Today · 4.125%
HK$68,922
baseline
▲ 0.50% · 4.625%
HK$72,554
+HK$3,632/mo
Deposit HK$8.59M · loan HK$12.89M · min. income ≈ HK$137,844/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$898,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,573
−HK$4,300/mo
▼ 0.25% · 3.875%
HK$70,706
−HK$2,167/mo
Today · 4.125%
HK$72,873
baseline
▲ 0.50% · 4.625%
HK$77,307
+HK$4,434/mo
Deposit HK$6.44M · loan HK$15.04M · min. income ≈ HK$145,746/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$898,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,287
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$78,333
−HK$2,075/mo
Today · 4.125%
HK$80,408
baseline
▲ 0.50% · 4.625%
HK$84,647
+HK$4,239/mo
Deposit HK$6.44M · loan HK$15.04M · min. income ≈ HK$160,816/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$898,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,165
−HK$5,529/mo
▼ 0.25% · 3.875%
HK$90,908
−HK$2,786/mo
Today · 4.125%
HK$93,694
baseline
▲ 0.50% · 4.625%
HK$99,395
+HK$5,701/mo
Deposit HK$2.15M · loan HK$19.33M · min. income ≈ HK$187,388/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$898,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,083
−HK$5,299/mo
▼ 0.25% · 3.875%
HK$100,714
−HK$2,668/mo
Today · 4.125%
HK$103,382
baseline
▲ 0.50% · 4.625%
HK$108,832
+HK$5,450/mo
Deposit HK$2.15M · loan HK$19.33M · min. income ≈ HK$206,764/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$898,040 · Scale 2, in force from 26 Feb 2026)