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$48,817
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$50,336
−HK$1,543/mo
Today · 4.125%
HK$51,879
baseline
▲ 0.50% · 4.625%
HK$55,035
+HK$3,156/mo
Deposit HK$10.70M · loan HK$10.70M · min. income ≈ HK$103,758/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$890,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,309
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$55,765
−HK$1,478/mo
Today · 4.125%
HK$57,243
baseline
▲ 0.50% · 4.625%
HK$60,260
+HK$3,017/mo
Deposit HK$10.70M · loan HK$10.70M · min. income ≈ HK$114,486/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$890,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,581
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$60,403
−HK$1,852/mo
Today · 4.125%
HK$62,255
baseline
▲ 0.50% · 4.625%
HK$66,043
+HK$3,788/mo
Deposit HK$8.56M · loan HK$12.85M · min. income ≈ HK$124,510/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$890,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,171
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$66,919
−HK$1,773/mo
Today · 4.125%
HK$68,692
baseline
▲ 0.50% · 4.625%
HK$72,313
+HK$3,621/mo
Deposit HK$8.56M · loan HK$12.85M · min. income ≈ HK$137,384/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$890,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,344
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$70,470
−HK$2,160/mo
Today · 4.125%
HK$72,630
baseline
▲ 0.50% · 4.625%
HK$77,050
+HK$4,420/mo
Deposit HK$6.42M · loan HK$14.99M · min. income ≈ HK$145,260/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$890,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,033
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$78,072
−HK$2,068/mo
Today · 4.125%
HK$80,140
baseline
▲ 0.50% · 4.625%
HK$84,365
+HK$4,225/mo
Deposit HK$6.42M · loan HK$14.99M · min. income ≈ HK$160,280/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$890,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,871
−HK$5,511/mo
▼ 0.25% · 3.875%
HK$90,605
−HK$2,777/mo
Today · 4.125%
HK$93,382
baseline
▲ 0.50% · 4.625%
HK$99,064
+HK$5,682/mo
Deposit HK$2.14M · loan HK$19.27M · min. income ≈ HK$186,764/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$890,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,756
−HK$5,282/mo
▼ 0.25% · 3.875%
HK$100,378
−HK$2,660/mo
Today · 4.125%
HK$103,038
baseline
▲ 0.50% · 4.625%
HK$108,469
+HK$5,431/mo
Deposit HK$2.14M · loan HK$19.27M · min. income ≈ HK$206,076/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$890,877 · Scale 2, in force from 26 Feb 2026)