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$48,997
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$50,521
−HK$1,549/mo
Today · 4.125%
HK$52,070
baseline
▲ 0.50% · 4.625%
HK$55,238
+HK$3,168/mo
Deposit HK$10.74M · loan HK$10.74M · min. income ≈ HK$104,140/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$898,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,509
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$55,971
−HK$1,483/mo
Today · 4.125%
HK$57,454
baseline
▲ 0.50% · 4.625%
HK$60,482
+HK$3,028/mo
Deposit HK$10.74M · loan HK$10.74M · min. income ≈ HK$114,908/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$898,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,796
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$60,625
−HK$1,858/mo
Today · 4.125%
HK$62,483
baseline
▲ 0.50% · 4.625%
HK$66,285
+HK$3,802/mo
Deposit HK$8.59M · loan HK$12.89M · min. income ≈ HK$124,966/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$898,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,410
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$67,165
−HK$1,779/mo
Today · 4.125%
HK$68,944
baseline
▲ 0.50% · 4.625%
HK$72,578
+HK$3,634/mo
Deposit HK$8.59M · loan HK$12.89M · min. income ≈ HK$137,888/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$898,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,596
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$70,729
−HK$2,168/mo
Today · 4.125%
HK$72,897
baseline
▲ 0.50% · 4.625%
HK$77,333
+HK$4,436/mo
Deposit HK$6.45M · loan HK$15.04M · min. income ≈ HK$145,794/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$898,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,312
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$78,359
−HK$2,076/mo
Today · 4.125%
HK$80,435
baseline
▲ 0.50% · 4.625%
HK$84,675
+HK$4,240/mo
Deposit HK$6.45M · loan HK$15.04M · min. income ≈ HK$160,870/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$898,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,195
−HK$5,530/mo
▼ 0.25% · 3.875%
HK$90,938
−HK$2,787/mo
Today · 4.125%
HK$93,725
baseline
▲ 0.50% · 4.625%
HK$99,428
+HK$5,703/mo
Deposit HK$2.15M · loan HK$19.34M · min. income ≈ HK$187,450/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$898,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,116
−HK$5,300/mo
▼ 0.25% · 3.875%
HK$100,747
−HK$2,669/mo
Today · 4.125%
HK$103,416
baseline
▲ 0.50% · 4.625%
HK$108,868
+HK$5,452/mo
Deposit HK$2.15M · loan HK$19.34M · min. income ≈ HK$206,832/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$898,749 · Scale 2, in force from 26 Feb 2026)