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$48,819
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$50,338
−HK$1,543/mo
Today · 4.125%
HK$51,881
baseline
▲ 0.50% · 4.625%
HK$55,037
+HK$3,156/mo
Deposit HK$10.70M · loan HK$10.70M · min. income ≈ HK$103,762/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$890,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,311
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$55,767
−HK$1,478/mo
Today · 4.125%
HK$57,245
baseline
▲ 0.50% · 4.625%
HK$60,263
+HK$3,018/mo
Deposit HK$10.70M · loan HK$10.70M · min. income ≈ HK$114,490/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$890,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,583
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$60,405
−HK$1,852/mo
Today · 4.125%
HK$62,257
baseline
▲ 0.50% · 4.625%
HK$66,045
+HK$3,788/mo
Deposit HK$8.56M · loan HK$12.85M · min. income ≈ HK$124,514/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$890,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,173
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$66,921
−HK$1,773/mo
Today · 4.125%
HK$68,694
baseline
▲ 0.50% · 4.625%
HK$72,315
+HK$3,621/mo
Deposit HK$8.56M · loan HK$12.85M · min. income ≈ HK$137,388/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$890,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,347
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$70,473
−HK$2,160/mo
Today · 4.125%
HK$72,633
baseline
▲ 0.50% · 4.625%
HK$77,052
+HK$4,419/mo
Deposit HK$6.42M · loan HK$14.99M · min. income ≈ HK$145,266/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$890,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,035
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$78,074
−HK$2,069/mo
Today · 4.125%
HK$80,143
baseline
▲ 0.50% · 4.625%
HK$84,368
+HK$4,225/mo
Deposit HK$6.42M · loan HK$14.99M · min. income ≈ HK$160,286/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$890,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,875
−HK$5,510/mo
▼ 0.25% · 3.875%
HK$90,608
−HK$2,777/mo
Today · 4.125%
HK$93,385
baseline
▲ 0.50% · 4.625%
HK$99,067
+HK$5,682/mo
Deposit HK$2.14M · loan HK$19.27M · min. income ≈ HK$186,770/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$890,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,760
−HK$5,281/mo
▼ 0.25% · 3.875%
HK$100,381
−HK$2,660/mo
Today · 4.125%
HK$103,041
baseline
▲ 0.50% · 4.625%
HK$108,473
+HK$5,432/mo
Deposit HK$2.14M · loan HK$19.27M · min. income ≈ HK$206,082/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$890,953 · Scale 2, in force from 26 Feb 2026)