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$48,818
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$50,337
−HK$1,543/mo
Today · 4.125%
HK$51,880
baseline
▲ 0.50% · 4.625%
HK$55,036
+HK$3,156/mo
Deposit HK$10.70M · loan HK$10.70M · min. income ≈ HK$103,760/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$890,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,310
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$55,767
−HK$1,477/mo
Today · 4.125%
HK$57,244
baseline
▲ 0.50% · 4.625%
HK$60,262
+HK$3,018/mo
Deposit HK$10.70M · loan HK$10.70M · min. income ≈ HK$114,488/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$890,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,582
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$60,404
−HK$1,852/mo
Today · 4.125%
HK$62,256
baseline
▲ 0.50% · 4.625%
HK$66,044
+HK$3,788/mo
Deposit HK$8.56M · loan HK$12.85M · min. income ≈ HK$124,512/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$890,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,172
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$66,920
−HK$1,773/mo
Today · 4.125%
HK$68,693
baseline
▲ 0.50% · 4.625%
HK$72,314
+HK$3,621/mo
Deposit HK$8.56M · loan HK$12.85M · min. income ≈ HK$137,386/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$890,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,346
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$70,472
−HK$2,160/mo
Today · 4.125%
HK$72,632
baseline
▲ 0.50% · 4.625%
HK$77,051
+HK$4,419/mo
Deposit HK$6.42M · loan HK$14.99M · min. income ≈ HK$145,264/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$890,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,034
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$78,073
−HK$2,069/mo
Today · 4.125%
HK$80,142
baseline
▲ 0.50% · 4.625%
HK$84,366
+HK$4,224/mo
Deposit HK$6.42M · loan HK$14.99M · min. income ≈ HK$160,284/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$890,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,873
−HK$5,511/mo
▼ 0.25% · 3.875%
HK$90,606
−HK$2,778/mo
Today · 4.125%
HK$93,384
baseline
▲ 0.50% · 4.625%
HK$99,066
+HK$5,682/mo
Deposit HK$2.14M · loan HK$19.27M · min. income ≈ HK$186,768/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$890,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,758
−HK$5,282/mo
▼ 0.25% · 3.875%
HK$100,380
−HK$2,660/mo
Today · 4.125%
HK$103,040
baseline
▲ 0.50% · 4.625%
HK$108,471
+HK$5,431/mo
Deposit HK$2.14M · loan HK$19.27M · min. income ≈ HK$206,080/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$890,917 · Scale 2, in force from 26 Feb 2026)