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$48,993
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$50,517
−HK$1,548/mo
Today · 4.125%
HK$52,065
baseline
▲ 0.50% · 4.625%
HK$55,233
+HK$3,168/mo
Deposit HK$10.74M · loan HK$10.74M · min. income ≈ HK$104,130/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$898,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,504
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$55,966
−HK$1,483/mo
Today · 4.125%
HK$57,449
baseline
▲ 0.50% · 4.625%
HK$60,477
+HK$3,028/mo
Deposit HK$10.74M · loan HK$10.74M · min. income ≈ HK$114,898/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$898,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,792
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$60,620
−HK$1,858/mo
Today · 4.125%
HK$62,478
baseline
▲ 0.50% · 4.625%
HK$66,280
+HK$3,802/mo
Deposit HK$8.59M · loan HK$12.89M · min. income ≈ HK$124,956/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$898,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,405
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$67,159
−HK$1,780/mo
Today · 4.125%
HK$68,939
baseline
▲ 0.50% · 4.625%
HK$72,572
+HK$3,633/mo
Deposit HK$8.59M · loan HK$12.89M · min. income ≈ HK$137,878/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$898,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,590
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$70,724
−HK$2,167/mo
Today · 4.125%
HK$72,891
baseline
▲ 0.50% · 4.625%
HK$77,327
+HK$4,436/mo
Deposit HK$6.45M · loan HK$15.04M · min. income ≈ HK$145,782/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$898,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,306
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$78,352
−HK$2,076/mo
Today · 4.125%
HK$80,428
baseline
▲ 0.50% · 4.625%
HK$84,668
+HK$4,240/mo
Deposit HK$6.45M · loan HK$15.04M · min. income ≈ HK$160,856/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$898,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,187
−HK$5,530/mo
▼ 0.25% · 3.875%
HK$90,930
−HK$2,787/mo
Today · 4.125%
HK$93,717
baseline
▲ 0.50% · 4.625%
HK$99,420
+HK$5,703/mo
Deposit HK$2.15M · loan HK$19.34M · min. income ≈ HK$187,434/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$898,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,108
−HK$5,300/mo
▼ 0.25% · 3.875%
HK$100,739
−HK$2,669/mo
Today · 4.125%
HK$103,408
baseline
▲ 0.50% · 4.625%
HK$108,859
+HK$5,451/mo
Deposit HK$2.15M · loan HK$19.34M · min. income ≈ HK$206,816/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$898,573 · Scale 2, in force from 26 Feb 2026)