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$48,816
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$50,334
−HK$1,543/mo
Today · 4.125%
HK$51,877
baseline
▲ 0.50% · 4.625%
HK$55,033
+HK$3,156/mo
Deposit HK$10.70M · loan HK$10.70M · min. income ≈ HK$103,754/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$890,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,307
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$55,763
−HK$1,478/mo
Today · 4.125%
HK$57,241
baseline
▲ 0.50% · 4.625%
HK$60,258
+HK$3,017/mo
Deposit HK$10.70M · loan HK$10.70M · min. income ≈ HK$114,482/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$890,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,579
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$60,401
−HK$1,851/mo
Today · 4.125%
HK$62,252
baseline
▲ 0.50% · 4.625%
HK$66,040
+HK$3,788/mo
Deposit HK$8.56M · loan HK$12.84M · min. income ≈ HK$124,504/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$890,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,168
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$66,916
−HK$1,773/mo
Today · 4.125%
HK$68,689
baseline
▲ 0.50% · 4.625%
HK$72,310
+HK$3,621/mo
Deposit HK$8.56M · loan HK$12.84M · min. income ≈ HK$137,378/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$890,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,342
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$70,468
−HK$2,160/mo
Today · 4.125%
HK$72,628
baseline
▲ 0.50% · 4.625%
HK$77,047
+HK$4,419/mo
Deposit HK$6.42M · loan HK$14.99M · min. income ≈ HK$145,256/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$890,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,030
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$78,069
−HK$2,068/mo
Today · 4.125%
HK$80,137
baseline
▲ 0.50% · 4.625%
HK$84,361
+HK$4,224/mo
Deposit HK$6.42M · loan HK$14.99M · min. income ≈ HK$160,274/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$890,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,868
−HK$5,510/mo
▼ 0.25% · 3.875%
HK$90,601
−HK$2,777/mo
Today · 4.125%
HK$93,378
baseline
▲ 0.50% · 4.625%
HK$99,060
+HK$5,682/mo
Deposit HK$2.14M · loan HK$19.27M · min. income ≈ HK$186,756/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$890,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,752
−HK$5,282/mo
▼ 0.25% · 3.875%
HK$100,374
−HK$2,660/mo
Today · 4.125%
HK$103,034
baseline
▲ 0.50% · 4.625%
HK$108,465
+HK$5,431/mo
Deposit HK$2.14M · loan HK$19.27M · min. income ≈ HK$206,068/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$890,797 · Scale 2, in force from 26 Feb 2026)