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$48,990
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$50,514
−HK$1,548/mo
Today · 4.125%
HK$52,062
baseline
▲ 0.50% · 4.625%
HK$55,230
+HK$3,168/mo
Deposit HK$10.74M · loan HK$10.74M · min. income ≈ HK$104,124/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$898,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,501
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$55,962
−HK$1,483/mo
Today · 4.125%
HK$57,445
baseline
▲ 0.50% · 4.625%
HK$60,473
+HK$3,028/mo
Deposit HK$10.74M · loan HK$10.74M · min. income ≈ HK$114,890/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$898,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,788
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$60,616
−HK$1,858/mo
Today · 4.125%
HK$62,474
baseline
▲ 0.50% · 4.625%
HK$66,276
+HK$3,802/mo
Deposit HK$8.59M · loan HK$12.89M · min. income ≈ HK$124,948/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$898,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,401
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$67,155
−HK$1,779/mo
Today · 4.125%
HK$68,934
baseline
▲ 0.50% · 4.625%
HK$72,568
+HK$3,634/mo
Deposit HK$8.59M · loan HK$12.89M · min. income ≈ HK$137,868/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$898,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,586
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$70,719
−HK$2,168/mo
Today · 4.125%
HK$72,887
baseline
▲ 0.50% · 4.625%
HK$77,322
+HK$4,435/mo
Deposit HK$6.45M · loan HK$15.04M · min. income ≈ HK$145,774/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$898,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,301
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$78,347
−HK$2,076/mo
Today · 4.125%
HK$80,423
baseline
▲ 0.50% · 4.625%
HK$84,662
+HK$4,239/mo
Deposit HK$6.45M · loan HK$15.04M · min. income ≈ HK$160,846/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$898,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,182
−HK$5,529/mo
▼ 0.25% · 3.875%
HK$90,925
−HK$2,786/mo
Today · 4.125%
HK$93,711
baseline
▲ 0.50% · 4.625%
HK$99,413
+HK$5,702/mo
Deposit HK$2.15M · loan HK$19.34M · min. income ≈ HK$187,422/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$898,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,101
−HK$5,300/mo
▼ 0.25% · 3.875%
HK$100,732
−HK$2,669/mo
Today · 4.125%
HK$103,401
baseline
▲ 0.50% · 4.625%
HK$108,852
+HK$5,451/mo
Deposit HK$2.15M · loan HK$19.34M · min. income ≈ HK$206,802/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$898,433 · Scale 2, in force from 26 Feb 2026)