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$48,976
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$50,499
−HK$1,548/mo
Today · 4.125%
HK$52,047
baseline
▲ 0.50% · 4.625%
HK$55,214
+HK$3,167/mo
Deposit HK$10.74M · loan HK$10.74M · min. income ≈ HK$104,094/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$897,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,485
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$55,947
−HK$1,482/mo
Today · 4.125%
HK$57,429
baseline
▲ 0.50% · 4.625%
HK$60,456
+HK$3,027/mo
Deposit HK$10.74M · loan HK$10.74M · min. income ≈ HK$114,858/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$897,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,771
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$60,599
−HK$1,858/mo
Today · 4.125%
HK$62,457
baseline
▲ 0.50% · 4.625%
HK$66,257
+HK$3,800/mo
Deposit HK$8.59M · loan HK$12.89M · min. income ≈ HK$124,914/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$897,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,382
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$67,136
−HK$1,779/mo
Today · 4.125%
HK$68,915
baseline
▲ 0.50% · 4.625%
HK$72,547
+HK$3,632/mo
Deposit HK$8.59M · loan HK$12.89M · min. income ≈ HK$137,830/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$897,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,566
−HK$4,300/mo
▼ 0.25% · 3.875%
HK$70,699
−HK$2,167/mo
Today · 4.125%
HK$72,866
baseline
▲ 0.50% · 4.625%
HK$77,300
+HK$4,434/mo
Deposit HK$6.44M · loan HK$15.03M · min. income ≈ HK$145,732/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$897,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,279
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$78,325
−HK$2,076/mo
Today · 4.125%
HK$80,401
baseline
▲ 0.50% · 4.625%
HK$84,639
+HK$4,238/mo
Deposit HK$6.44M · loan HK$15.03M · min. income ≈ HK$160,802/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$897,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,157
−HK$5,528/mo
▼ 0.25% · 3.875%
HK$90,899
−HK$2,786/mo
Today · 4.125%
HK$93,685
baseline
▲ 0.50% · 4.625%
HK$99,386
+HK$5,701/mo
Deposit HK$2.15M · loan HK$19.33M · min. income ≈ HK$187,370/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$897,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,074
−HK$5,298/mo
▼ 0.25% · 3.875%
HK$100,704
−HK$2,668/mo
Today · 4.125%
HK$103,372
baseline
▲ 0.50% · 4.625%
HK$108,821
+HK$5,449/mo
Deposit HK$2.15M · loan HK$19.33M · min. income ≈ HK$206,744/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$897,830 · Scale 2, in force from 26 Feb 2026)