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$48,789
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$50,306
−HK$1,542/mo
Today · 4.125%
HK$51,848
baseline
▲ 0.50% · 4.625%
HK$55,003
+HK$3,155/mo
Deposit HK$10.70M · loan HK$10.70M · min. income ≈ HK$103,696/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$889,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,277
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$55,733
−HK$1,477/mo
Today · 4.125%
HK$57,210
baseline
▲ 0.50% · 4.625%
HK$60,225
+HK$3,015/mo
Deposit HK$10.70M · loan HK$10.70M · min. income ≈ HK$114,420/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$889,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,547
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$60,368
−HK$1,850/mo
Today · 4.125%
HK$62,218
baseline
▲ 0.50% · 4.625%
HK$66,004
+HK$3,786/mo
Deposit HK$8.56M · loan HK$12.84M · min. income ≈ HK$124,436/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$889,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,133
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$66,879
−HK$1,772/mo
Today · 4.125%
HK$68,651
baseline
▲ 0.50% · 4.625%
HK$72,270
+HK$3,619/mo
Deposit HK$8.56M · loan HK$12.84M · min. income ≈ HK$137,302/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$889,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,304
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$70,429
−HK$2,159/mo
Today · 4.125%
HK$72,588
baseline
▲ 0.50% · 4.625%
HK$77,004
+HK$4,416/mo
Deposit HK$6.42M · loan HK$14.98M · min. income ≈ HK$145,176/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$889,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,988
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$78,026
−HK$2,067/mo
Today · 4.125%
HK$80,093
baseline
▲ 0.50% · 4.625%
HK$84,315
+HK$4,222/mo
Deposit HK$6.42M · loan HK$14.98M · min. income ≈ HK$160,186/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$889,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,820
−HK$5,507/mo
▼ 0.25% · 3.875%
HK$90,552
−HK$2,775/mo
Today · 4.125%
HK$93,327
baseline
▲ 0.50% · 4.625%
HK$99,006
+HK$5,679/mo
Deposit HK$2.14M · loan HK$19.26M · min. income ≈ HK$186,654/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$889,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,699
−HK$5,278/mo
▼ 0.25% · 3.875%
HK$100,319
−HK$2,658/mo
Today · 4.125%
HK$102,977
baseline
▲ 0.50% · 4.625%
HK$108,405
+HK$5,428/mo
Deposit HK$2.14M · loan HK$19.26M · min. income ≈ HK$205,954/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$889,622 · Scale 2, in force from 26 Feb 2026)