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$48,965
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$50,488
−HK$1,547/mo
Today · 4.125%
HK$52,035
baseline
▲ 0.50% · 4.625%
HK$55,201
+HK$3,166/mo
Deposit HK$10.74M · loan HK$10.74M · min. income ≈ HK$104,070/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$897,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,473
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$55,934
−HK$1,482/mo
Today · 4.125%
HK$57,416
baseline
▲ 0.50% · 4.625%
HK$60,442
+HK$3,026/mo
Deposit HK$10.74M · loan HK$10.74M · min. income ≈ HK$114,832/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$897,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,758
−HK$3,684/mo
▼ 0.25% · 3.875%
HK$60,585
−HK$1,857/mo
Today · 4.125%
HK$62,442
baseline
▲ 0.50% · 4.625%
HK$66,242
+HK$3,800/mo
Deposit HK$8.59M · loan HK$12.88M · min. income ≈ HK$124,884/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$897,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,367
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$67,120
−HK$1,779/mo
Today · 4.125%
HK$68,899
baseline
▲ 0.50% · 4.625%
HK$72,531
+HK$3,632/mo
Deposit HK$8.59M · loan HK$12.88M · min. income ≈ HK$137,798/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$897,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,550
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$70,683
−HK$2,166/mo
Today · 4.125%
HK$72,849
baseline
▲ 0.50% · 4.625%
HK$77,282
+HK$4,433/mo
Deposit HK$6.44M · loan HK$15.03M · min. income ≈ HK$145,698/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$897,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,262
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$78,307
−HK$2,075/mo
Today · 4.125%
HK$80,382
baseline
▲ 0.50% · 4.625%
HK$84,619
+HK$4,237/mo
Deposit HK$6.44M · loan HK$15.03M · min. income ≈ HK$160,764/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$897,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,136
−HK$5,527/mo
▼ 0.25% · 3.875%
HK$90,878
−HK$2,785/mo
Today · 4.125%
HK$93,663
baseline
▲ 0.50% · 4.625%
HK$99,362
+HK$5,699/mo
Deposit HK$2.15M · loan HK$19.33M · min. income ≈ HK$187,326/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$897,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,051
−HK$5,297/mo
▼ 0.25% · 3.875%
HK$100,680
−HK$2,668/mo
Today · 4.125%
HK$103,348
baseline
▲ 0.50% · 4.625%
HK$108,796
+HK$5,448/mo
Deposit HK$2.15M · loan HK$19.33M · min. income ≈ HK$206,696/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$897,330 · Scale 2, in force from 26 Feb 2026)