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$48,812
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$50,330
−HK$1,543/mo
Today · 4.125%
HK$51,873
baseline
▲ 0.50% · 4.625%
HK$55,029
+HK$3,156/mo
Deposit HK$10.70M · loan HK$10.70M · min. income ≈ HK$103,746/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$890,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,303
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$55,759
−HK$1,478/mo
Today · 4.125%
HK$57,237
baseline
▲ 0.50% · 4.625%
HK$60,254
+HK$3,017/mo
Deposit HK$10.70M · loan HK$10.70M · min. income ≈ HK$114,474/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$890,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,575
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$60,397
−HK$1,851/mo
Today · 4.125%
HK$62,248
baseline
▲ 0.50% · 4.625%
HK$66,035
+HK$3,787/mo
Deposit HK$8.56M · loan HK$12.84M · min. income ≈ HK$124,496/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$890,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,164
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$66,911
−HK$1,773/mo
Today · 4.125%
HK$68,684
baseline
▲ 0.50% · 4.625%
HK$72,305
+HK$3,621/mo
Deposit HK$8.56M · loan HK$12.84M · min. income ≈ HK$137,368/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$890,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,337
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$70,463
−HK$2,159/mo
Today · 4.125%
HK$72,622
baseline
▲ 0.50% · 4.625%
HK$77,041
+HK$4,419/mo
Deposit HK$6.42M · loan HK$14.98M · min. income ≈ HK$145,244/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$890,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,024
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$78,063
−HK$2,069/mo
Today · 4.125%
HK$80,132
baseline
▲ 0.50% · 4.625%
HK$84,355
+HK$4,223/mo
Deposit HK$6.42M · loan HK$14.98M · min. income ≈ HK$160,264/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$890,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,862
−HK$5,510/mo
▼ 0.25% · 3.875%
HK$90,595
−HK$2,777/mo
Today · 4.125%
HK$93,372
baseline
▲ 0.50% · 4.625%
HK$99,053
+HK$5,681/mo
Deposit HK$2.14M · loan HK$19.27M · min. income ≈ HK$186,744/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$890,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,745
−HK$5,281/mo
▼ 0.25% · 3.875%
HK$100,367
−HK$2,659/mo
Today · 4.125%
HK$103,026
baseline
▲ 0.50% · 4.625%
HK$108,457
+HK$5,431/mo
Deposit HK$2.14M · loan HK$19.27M · min. income ≈ HK$206,052/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$890,642 · Scale 2, in force from 26 Feb 2026)