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$49,000
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$50,525
−HK$1,548/mo
Today · 4.125%
HK$52,073
baseline
▲ 0.50% · 4.625%
HK$55,242
+HK$3,169/mo
Deposit HK$10.74M · loan HK$10.74M · min. income ≈ HK$104,146/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$898,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,513
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$55,975
−HK$1,483/mo
Today · 4.125%
HK$57,458
baseline
▲ 0.50% · 4.625%
HK$60,486
+HK$3,028/mo
Deposit HK$10.74M · loan HK$10.74M · min. income ≈ HK$114,916/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$898,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,801
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$60,630
−HK$1,858/mo
Today · 4.125%
HK$62,488
baseline
▲ 0.50% · 4.625%
HK$66,290
+HK$3,802/mo
Deposit HK$8.60M · loan HK$12.89M · min. income ≈ HK$124,976/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$898,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,415
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$67,169
−HK$1,780/mo
Today · 4.125%
HK$68,949
baseline
▲ 0.50% · 4.625%
HK$72,584
+HK$3,635/mo
Deposit HK$8.60M · loan HK$12.89M · min. income ≈ HK$137,898/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$898,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,601
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$70,734
−HK$2,168/mo
Today · 4.125%
HK$72,902
baseline
▲ 0.50% · 4.625%
HK$77,338
+HK$4,436/mo
Deposit HK$6.45M · loan HK$15.04M · min. income ≈ HK$145,804/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$898,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,318
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$78,364
−HK$2,077/mo
Today · 4.125%
HK$80,441
baseline
▲ 0.50% · 4.625%
HK$84,681
+HK$4,240/mo
Deposit HK$6.45M · loan HK$15.04M · min. income ≈ HK$160,882/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$898,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,201
−HK$5,531/mo
▼ 0.25% · 3.875%
HK$90,944
−HK$2,788/mo
Today · 4.125%
HK$93,732
baseline
▲ 0.50% · 4.625%
HK$99,435
+HK$5,703/mo
Deposit HK$2.15M · loan HK$19.34M · min. income ≈ HK$187,464/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$898,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,123
−HK$5,301/mo
▼ 0.25% · 3.875%
HK$100,754
−HK$2,670/mo
Today · 4.125%
HK$103,424
baseline
▲ 0.50% · 4.625%
HK$108,875
+HK$5,451/mo
Deposit HK$2.15M · loan HK$19.34M · min. income ≈ HK$206,848/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$898,901 · Scale 2, in force from 26 Feb 2026)