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$48,800
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$50,317
−HK$1,543/mo
Today · 4.125%
HK$51,860
baseline
▲ 0.50% · 4.625%
HK$55,015
+HK$3,155/mo
Deposit HK$10.70M · loan HK$10.70M · min. income ≈ HK$103,720/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$890,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,289
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$55,745
−HK$1,477/mo
Today · 4.125%
HK$57,222
baseline
▲ 0.50% · 4.625%
HK$60,238
+HK$3,016/mo
Deposit HK$10.70M · loan HK$10.70M · min. income ≈ HK$114,444/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$890,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,559
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$60,381
−HK$1,851/mo
Today · 4.125%
HK$62,232
baseline
▲ 0.50% · 4.625%
HK$66,018
+HK$3,786/mo
Deposit HK$8.56M · loan HK$12.84M · min. income ≈ HK$124,464/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$890,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,147
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$66,894
−HK$1,772/mo
Today · 4.125%
HK$68,666
baseline
▲ 0.50% · 4.625%
HK$72,286
+HK$3,620/mo
Deposit HK$8.56M · loan HK$12.84M · min. income ≈ HK$137,332/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$890,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,319
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$70,444
−HK$2,160/mo
Today · 4.125%
HK$72,604
baseline
▲ 0.50% · 4.625%
HK$77,021
+HK$4,417/mo
Deposit HK$6.42M · loan HK$14.98M · min. income ≈ HK$145,208/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$890,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,005
−HK$4,106/mo
▼ 0.25% · 3.875%
HK$78,043
−HK$2,068/mo
Today · 4.125%
HK$80,111
baseline
▲ 0.50% · 4.625%
HK$84,334
+HK$4,223/mo
Deposit HK$6.42M · loan HK$14.98M · min. income ≈ HK$160,222/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$890,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,839
−HK$5,508/mo
▼ 0.25% · 3.875%
HK$90,571
−HK$2,776/mo
Today · 4.125%
HK$93,347
baseline
▲ 0.50% · 4.625%
HK$99,027
+HK$5,680/mo
Deposit HK$2.14M · loan HK$19.26M · min. income ≈ HK$186,694/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$890,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,720
−HK$5,280/mo
▼ 0.25% · 3.875%
HK$100,341
−HK$2,659/mo
Today · 4.125%
HK$103,000
baseline
▲ 0.50% · 4.625%
HK$108,429
+HK$5,429/mo
Deposit HK$2.14M · loan HK$19.26M · min. income ≈ HK$206,000/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$890,091 · Scale 2, in force from 26 Feb 2026)