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$48,970
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$50,493
−HK$1,548/mo
Today · 4.125%
HK$52,041
baseline
▲ 0.50% · 4.625%
HK$55,207
+HK$3,166/mo
Deposit HK$10.74M · loan HK$10.74M · min. income ≈ HK$104,082/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$897,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,479
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$55,940
−HK$1,482/mo
Today · 4.125%
HK$57,422
baseline
▲ 0.50% · 4.625%
HK$60,449
+HK$3,027/mo
Deposit HK$10.74M · loan HK$10.74M · min. income ≈ HK$114,844/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$897,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,764
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$60,592
−HK$1,857/mo
Today · 4.125%
HK$62,449
baseline
▲ 0.50% · 4.625%
HK$66,249
+HK$3,800/mo
Deposit HK$8.59M · loan HK$12.89M · min. income ≈ HK$124,898/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$897,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,374
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$67,128
−HK$1,778/mo
Today · 4.125%
HK$68,906
baseline
▲ 0.50% · 4.625%
HK$72,539
+HK$3,633/mo
Deposit HK$8.59M · loan HK$12.89M · min. income ≈ HK$137,812/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$897,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,558
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$70,691
−HK$2,166/mo
Today · 4.125%
HK$72,857
baseline
▲ 0.50% · 4.625%
HK$77,290
+HK$4,433/mo
Deposit HK$6.44M · loan HK$15.03M · min. income ≈ HK$145,714/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$897,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,270
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$78,316
−HK$2,075/mo
Today · 4.125%
HK$80,391
baseline
▲ 0.50% · 4.625%
HK$84,628
+HK$4,237/mo
Deposit HK$6.44M · loan HK$15.03M · min. income ≈ HK$160,782/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$897,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,146
−HK$5,528/mo
▼ 0.25% · 3.875%
HK$90,888
−HK$2,786/mo
Today · 4.125%
HK$93,674
baseline
▲ 0.50% · 4.625%
HK$99,373
+HK$5,699/mo
Deposit HK$2.15M · loan HK$19.33M · min. income ≈ HK$187,348/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$897,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,062
−HK$5,298/mo
▼ 0.25% · 3.875%
HK$100,692
−HK$2,668/mo
Today · 4.125%
HK$103,360
baseline
▲ 0.50% · 4.625%
HK$108,808
+HK$5,448/mo
Deposit HK$2.15M · loan HK$19.33M · min. income ≈ HK$206,720/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$897,568 · Scale 2, in force from 26 Feb 2026)