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$48,809
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$50,328
−HK$1,542/mo
Today · 4.125%
HK$51,870
baseline
▲ 0.50% · 4.625%
HK$55,026
+HK$3,156/mo
Deposit HK$10.70M · loan HK$10.70M · min. income ≈ HK$103,740/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$890,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,300
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$55,756
−HK$1,478/mo
Today · 4.125%
HK$57,234
baseline
▲ 0.50% · 4.625%
HK$60,250
+HK$3,016/mo
Deposit HK$10.70M · loan HK$10.70M · min. income ≈ HK$114,468/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$890,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,571
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$60,393
−HK$1,851/mo
Today · 4.125%
HK$62,244
baseline
▲ 0.50% · 4.625%
HK$66,032
+HK$3,788/mo
Deposit HK$8.56M · loan HK$12.84M · min. income ≈ HK$124,488/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$890,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,160
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$66,907
−HK$1,773/mo
Today · 4.125%
HK$68,680
baseline
▲ 0.50% · 4.625%
HK$72,301
+HK$3,621/mo
Deposit HK$8.56M · loan HK$12.84M · min. income ≈ HK$137,360/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$890,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,333
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$70,459
−HK$2,159/mo
Today · 4.125%
HK$72,618
baseline
▲ 0.50% · 4.625%
HK$77,037
+HK$4,419/mo
Deposit HK$6.42M · loan HK$14.98M · min. income ≈ HK$145,236/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$890,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,020
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$78,059
−HK$2,068/mo
Today · 4.125%
HK$80,127
baseline
▲ 0.50% · 4.625%
HK$84,351
+HK$4,224/mo
Deposit HK$6.42M · loan HK$14.98M · min. income ≈ HK$160,254/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$890,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,857
−HK$5,509/mo
▼ 0.25% · 3.875%
HK$90,590
−HK$2,776/mo
Today · 4.125%
HK$93,366
baseline
▲ 0.50% · 4.625%
HK$99,047
+HK$5,681/mo
Deposit HK$2.14M · loan HK$19.26M · min. income ≈ HK$186,732/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$890,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,740
−HK$5,280/mo
▼ 0.25% · 3.875%
HK$100,361
−HK$2,659/mo
Today · 4.125%
HK$103,020
baseline
▲ 0.50% · 4.625%
HK$108,451
+HK$5,431/mo
Deposit HK$2.14M · loan HK$19.26M · min. income ≈ HK$206,040/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$890,522 · Scale 2, in force from 26 Feb 2026)