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$49,002
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$50,527
−HK$1,548/mo
Today · 4.125%
HK$52,075
baseline
▲ 0.50% · 4.625%
HK$55,244
+HK$3,169/mo
Deposit HK$10.74M · loan HK$10.74M · min. income ≈ HK$104,150/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$898,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,515
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$55,977
−HK$1,483/mo
Today · 4.125%
HK$57,460
baseline
▲ 0.50% · 4.625%
HK$60,489
+HK$3,029/mo
Deposit HK$10.74M · loan HK$10.74M · min. income ≈ HK$114,920/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$898,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,803
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$60,632
−HK$1,858/mo
Today · 4.125%
HK$62,490
baseline
▲ 0.50% · 4.625%
HK$66,293
+HK$3,803/mo
Deposit HK$8.60M · loan HK$12.89M · min. income ≈ HK$124,980/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$898,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,418
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$67,172
−HK$1,780/mo
Today · 4.125%
HK$68,952
baseline
▲ 0.50% · 4.625%
HK$72,586
+HK$3,634/mo
Deposit HK$8.60M · loan HK$12.89M · min. income ≈ HK$137,904/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$898,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,603
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$70,737
−HK$2,168/mo
Today · 4.125%
HK$72,905
baseline
▲ 0.50% · 4.625%
HK$77,341
+HK$4,436/mo
Deposit HK$6.45M · loan HK$15.04M · min. income ≈ HK$145,810/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$898,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,320
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$78,367
−HK$2,077/mo
Today · 4.125%
HK$80,444
baseline
▲ 0.50% · 4.625%
HK$84,684
+HK$4,240/mo
Deposit HK$6.45M · loan HK$15.04M · min. income ≈ HK$160,888/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$898,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,204
−HK$5,531/mo
▼ 0.25% · 3.875%
HK$90,948
−HK$2,787/mo
Today · 4.125%
HK$93,735
baseline
▲ 0.50% · 4.625%
HK$99,439
+HK$5,704/mo
Deposit HK$2.15M · loan HK$19.34M · min. income ≈ HK$187,470/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$898,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,126
−HK$5,302/mo
▼ 0.25% · 3.875%
HK$100,758
−HK$2,670/mo
Today · 4.125%
HK$103,428
baseline
▲ 0.50% · 4.625%
HK$108,880
+HK$5,452/mo
Deposit HK$2.15M · loan HK$19.34M · min. income ≈ HK$206,856/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$898,985 · Scale 2, in force from 26 Feb 2026)