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$48,995
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$50,519
−HK$1,549/mo
Today · 4.125%
HK$52,068
baseline
▲ 0.50% · 4.625%
HK$55,236
+HK$3,168/mo
Deposit HK$10.74M · loan HK$10.74M · min. income ≈ HK$104,136/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$898,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,507
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$55,969
−HK$1,483/mo
Today · 4.125%
HK$57,452
baseline
▲ 0.50% · 4.625%
HK$60,480
+HK$3,028/mo
Deposit HK$10.74M · loan HK$10.74M · min. income ≈ HK$114,904/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$898,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,794
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$60,623
−HK$1,858/mo
Today · 4.125%
HK$62,481
baseline
▲ 0.50% · 4.625%
HK$66,283
+HK$3,802/mo
Deposit HK$8.59M · loan HK$12.89M · min. income ≈ HK$124,962/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$898,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,408
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$67,162
−HK$1,780/mo
Today · 4.125%
HK$68,942
baseline
▲ 0.50% · 4.625%
HK$72,576
+HK$3,634/mo
Deposit HK$8.59M · loan HK$12.89M · min. income ≈ HK$137,884/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$898,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,594
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$70,727
−HK$2,168/mo
Today · 4.125%
HK$72,895
baseline
▲ 0.50% · 4.625%
HK$77,330
+HK$4,435/mo
Deposit HK$6.45M · loan HK$15.04M · min. income ≈ HK$145,790/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$898,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,310
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$78,356
−HK$2,076/mo
Today · 4.125%
HK$80,432
baseline
▲ 0.50% · 4.625%
HK$84,672
+HK$4,240/mo
Deposit HK$6.45M · loan HK$15.04M · min. income ≈ HK$160,864/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$898,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,192
−HK$5,530/mo
▼ 0.25% · 3.875%
HK$90,935
−HK$2,787/mo
Today · 4.125%
HK$93,722
baseline
▲ 0.50% · 4.625%
HK$99,425
+HK$5,703/mo
Deposit HK$2.15M · loan HK$19.34M · min. income ≈ HK$187,444/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$898,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,112
−HK$5,301/mo
▼ 0.25% · 3.875%
HK$100,744
−HK$2,669/mo
Today · 4.125%
HK$103,413
baseline
▲ 0.50% · 4.625%
HK$108,864
+HK$5,451/mo
Deposit HK$2.15M · loan HK$19.34M · min. income ≈ HK$206,826/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$898,680 · Scale 2, in force from 26 Feb 2026)