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$48,805
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$50,323
−HK$1,542/mo
Today · 4.125%
HK$51,865
baseline
▲ 0.50% · 4.625%
HK$55,021
+HK$3,156/mo
Deposit HK$10.70M · loan HK$10.70M · min. income ≈ HK$103,730/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$890,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,295
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$55,751
−HK$1,477/mo
Today · 4.125%
HK$57,228
baseline
▲ 0.50% · 4.625%
HK$60,245
+HK$3,017/mo
Deposit HK$10.70M · loan HK$10.70M · min. income ≈ HK$114,456/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$890,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,566
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$60,387
−HK$1,851/mo
Today · 4.125%
HK$62,238
baseline
▲ 0.50% · 4.625%
HK$66,025
+HK$3,787/mo
Deposit HK$8.56M · loan HK$12.84M · min. income ≈ HK$124,476/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$890,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,154
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$66,901
−HK$1,773/mo
Today · 4.125%
HK$68,674
baseline
▲ 0.50% · 4.625%
HK$72,294
+HK$3,620/mo
Deposit HK$8.56M · loan HK$12.84M · min. income ≈ HK$137,348/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$890,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,327
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$70,452
−HK$2,159/mo
Today · 4.125%
HK$72,611
baseline
▲ 0.50% · 4.625%
HK$77,030
+HK$4,419/mo
Deposit HK$6.42M · loan HK$14.98M · min. income ≈ HK$145,222/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$890,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,013
−HK$4,106/mo
▼ 0.25% · 3.875%
HK$78,051
−HK$2,068/mo
Today · 4.125%
HK$80,119
baseline
▲ 0.50% · 4.625%
HK$84,343
+HK$4,224/mo
Deposit HK$6.42M · loan HK$14.98M · min. income ≈ HK$160,238/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$890,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,849
−HK$5,508/mo
▼ 0.25% · 3.875%
HK$90,581
−HK$2,776/mo
Today · 4.125%
HK$93,357
baseline
▲ 0.50% · 4.625%
HK$99,038
+HK$5,681/mo
Deposit HK$2.14M · loan HK$19.26M · min. income ≈ HK$186,714/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$890,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,731
−HK$5,280/mo
▼ 0.25% · 3.875%
HK$100,352
−HK$2,659/mo
Today · 4.125%
HK$103,011
baseline
▲ 0.50% · 4.625%
HK$108,440
+HK$5,429/mo
Deposit HK$2.14M · loan HK$19.26M · min. income ≈ HK$206,022/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$890,318 · Scale 2, in force from 26 Feb 2026)