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$48,820
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$50,338
−HK$1,543/mo
Today · 4.125%
HK$51,881
baseline
▲ 0.50% · 4.625%
HK$55,038
+HK$3,157/mo
Deposit HK$10.70M · loan HK$10.70M · min. income ≈ HK$103,762/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$890,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,312
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$55,768
−HK$1,478/mo
Today · 4.125%
HK$57,246
baseline
▲ 0.50% · 4.625%
HK$60,263
+HK$3,017/mo
Deposit HK$10.70M · loan HK$10.70M · min. income ≈ HK$114,492/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$890,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,584
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$60,406
−HK$1,852/mo
Today · 4.125%
HK$62,258
baseline
▲ 0.50% · 4.625%
HK$66,046
+HK$3,788/mo
Deposit HK$8.56M · loan HK$12.85M · min. income ≈ HK$124,516/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$890,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,174
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$66,922
−HK$1,773/mo
Today · 4.125%
HK$68,695
baseline
▲ 0.50% · 4.625%
HK$72,316
+HK$3,621/mo
Deposit HK$8.56M · loan HK$12.85M · min. income ≈ HK$137,390/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$890,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,348
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$70,474
−HK$2,160/mo
Today · 4.125%
HK$72,634
baseline
▲ 0.50% · 4.625%
HK$77,053
+HK$4,419/mo
Deposit HK$6.42M · loan HK$14.99M · min. income ≈ HK$145,268/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$890,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,036
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$78,076
−HK$2,068/mo
Today · 4.125%
HK$80,144
baseline
▲ 0.50% · 4.625%
HK$84,369
+HK$4,225/mo
Deposit HK$6.42M · loan HK$14.99M · min. income ≈ HK$160,288/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$890,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,876
−HK$5,510/mo
▼ 0.25% · 3.875%
HK$90,609
−HK$2,777/mo
Today · 4.125%
HK$93,386
baseline
▲ 0.50% · 4.625%
HK$99,069
+HK$5,683/mo
Deposit HK$2.14M · loan HK$19.27M · min. income ≈ HK$186,772/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$890,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,761
−HK$5,282/mo
▼ 0.25% · 3.875%
HK$100,383
−HK$2,660/mo
Today · 4.125%
HK$103,043
baseline
▲ 0.50% · 4.625%
HK$108,474
+HK$5,431/mo
Deposit HK$2.14M · loan HK$19.27M · min. income ≈ HK$206,086/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$890,982 · Scale 2, in force from 26 Feb 2026)