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$48,801
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$50,319
−HK$1,542/mo
Today · 4.125%
HK$51,861
baseline
▲ 0.50% · 4.625%
HK$55,017
+HK$3,156/mo
Deposit HK$10.70M · loan HK$10.70M · min. income ≈ HK$103,722/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$890,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,291
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$55,747
−HK$1,477/mo
Today · 4.125%
HK$57,224
baseline
▲ 0.50% · 4.625%
HK$60,240
+HK$3,016/mo
Deposit HK$10.70M · loan HK$10.70M · min. income ≈ HK$114,448/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$890,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,561
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$60,383
−HK$1,851/mo
Today · 4.125%
HK$62,234
baseline
▲ 0.50% · 4.625%
HK$66,020
+HK$3,786/mo
Deposit HK$8.56M · loan HK$12.84M · min. income ≈ HK$124,468/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$890,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,149
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$66,896
−HK$1,773/mo
Today · 4.125%
HK$68,669
baseline
▲ 0.50% · 4.625%
HK$72,288
+HK$3,619/mo
Deposit HK$8.56M · loan HK$12.84M · min. income ≈ HK$137,338/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$890,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,321
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$70,447
−HK$2,159/mo
Today · 4.125%
HK$72,606
baseline
▲ 0.50% · 4.625%
HK$77,024
+HK$4,418/mo
Deposit HK$6.42M · loan HK$14.98M · min. income ≈ HK$145,212/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$890,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,007
−HK$4,106/mo
▼ 0.25% · 3.875%
HK$78,045
−HK$2,068/mo
Today · 4.125%
HK$80,113
baseline
▲ 0.50% · 4.625%
HK$84,336
+HK$4,223/mo
Deposit HK$6.42M · loan HK$14.98M · min. income ≈ HK$160,226/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$890,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,842
−HK$5,508/mo
▼ 0.25% · 3.875%
HK$90,574
−HK$2,776/mo
Today · 4.125%
HK$93,350
baseline
▲ 0.50% · 4.625%
HK$99,030
+HK$5,680/mo
Deposit HK$2.14M · loan HK$19.26M · min. income ≈ HK$186,700/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$890,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,723
−HK$5,280/mo
▼ 0.25% · 3.875%
HK$100,344
−HK$2,659/mo
Today · 4.125%
HK$103,003
baseline
▲ 0.50% · 4.625%
HK$108,432
+HK$5,429/mo
Deposit HK$2.14M · loan HK$19.26M · min. income ≈ HK$206,006/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$890,157 · Scale 2, in force from 26 Feb 2026)