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$48,984
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$50,508
−HK$1,548/mo
Today · 4.125%
HK$52,056
baseline
▲ 0.50% · 4.625%
HK$55,223
+HK$3,167/mo
Deposit HK$10.74M · loan HK$10.74M · min. income ≈ HK$104,112/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$898,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,494
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$55,956
−HK$1,483/mo
Today · 4.125%
HK$57,439
baseline
▲ 0.50% · 4.625%
HK$60,466
+HK$3,027/mo
Deposit HK$10.74M · loan HK$10.74M · min. income ≈ HK$114,878/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$898,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,781
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$60,609
−HK$1,858/mo
Today · 4.125%
HK$62,467
baseline
▲ 0.50% · 4.625%
HK$66,268
+HK$3,801/mo
Deposit HK$8.59M · loan HK$12.89M · min. income ≈ HK$124,934/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$898,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,393
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$67,147
−HK$1,779/mo
Today · 4.125%
HK$68,926
baseline
▲ 0.50% · 4.625%
HK$72,559
+HK$3,633/mo
Deposit HK$8.59M · loan HK$12.89M · min. income ≈ HK$137,852/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$898,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,578
−HK$4,300/mo
▼ 0.25% · 3.875%
HK$70,711
−HK$2,167/mo
Today · 4.125%
HK$72,878
baseline
▲ 0.50% · 4.625%
HK$77,313
+HK$4,435/mo
Deposit HK$6.44M · loan HK$15.04M · min. income ≈ HK$145,756/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$898,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,292
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$78,338
−HK$2,076/mo
Today · 4.125%
HK$80,414
baseline
▲ 0.50% · 4.625%
HK$84,653
+HK$4,239/mo
Deposit HK$6.44M · loan HK$15.04M · min. income ≈ HK$160,828/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$898,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,172
−HK$5,529/mo
▼ 0.25% · 3.875%
HK$90,914
−HK$2,787/mo
Today · 4.125%
HK$93,701
baseline
▲ 0.50% · 4.625%
HK$99,402
+HK$5,701/mo
Deposit HK$2.15M · loan HK$19.33M · min. income ≈ HK$187,402/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$898,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,090
−HK$5,299/mo
▼ 0.25% · 3.875%
HK$100,721
−HK$2,668/mo
Today · 4.125%
HK$103,389
baseline
▲ 0.50% · 4.625%
HK$108,839
+HK$5,450/mo
Deposit HK$2.15M · loan HK$19.33M · min. income ≈ HK$206,778/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$898,187 · Scale 2, in force from 26 Feb 2026)