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$48,962
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$50,485
−HK$1,547/mo
Today · 4.125%
HK$52,032
baseline
▲ 0.50% · 4.625%
HK$55,198
+HK$3,166/mo
Deposit HK$10.74M · loan HK$10.74M · min. income ≈ HK$104,064/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$897,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,469
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$55,930
−HK$1,482/mo
Today · 4.125%
HK$57,412
baseline
▲ 0.50% · 4.625%
HK$60,438
+HK$3,026/mo
Deposit HK$10.74M · loan HK$10.74M · min. income ≈ HK$114,824/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$897,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,754
−HK$3,684/mo
▼ 0.25% · 3.875%
HK$60,582
−HK$1,856/mo
Today · 4.125%
HK$62,438
baseline
▲ 0.50% · 4.625%
HK$66,238
+HK$3,800/mo
Deposit HK$8.59M · loan HK$12.88M · min. income ≈ HK$124,876/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$897,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,363
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$67,116
−HK$1,779/mo
Today · 4.125%
HK$68,895
baseline
▲ 0.50% · 4.625%
HK$72,526
+HK$3,631/mo
Deposit HK$8.59M · loan HK$12.88M · min. income ≈ HK$137,790/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$897,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,546
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$70,678
−HK$2,167/mo
Today · 4.125%
HK$72,845
baseline
▲ 0.50% · 4.625%
HK$77,277
+HK$4,432/mo
Deposit HK$6.44M · loan HK$15.03M · min. income ≈ HK$145,690/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$897,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,257
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$78,302
−HK$2,075/mo
Today · 4.125%
HK$80,377
baseline
▲ 0.50% · 4.625%
HK$84,614
+HK$4,237/mo
Deposit HK$6.44M · loan HK$15.03M · min. income ≈ HK$160,754/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$897,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,131
−HK$5,527/mo
▼ 0.25% · 3.875%
HK$90,872
−HK$2,786/mo
Today · 4.125%
HK$93,658
baseline
▲ 0.50% · 4.625%
HK$99,356
+HK$5,698/mo
Deposit HK$2.15M · loan HK$19.32M · min. income ≈ HK$187,316/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$897,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,045
−HK$5,297/mo
▼ 0.25% · 3.875%
HK$100,674
−HK$2,668/mo
Today · 4.125%
HK$103,342
baseline
▲ 0.50% · 4.625%
HK$108,789
+HK$5,447/mo
Deposit HK$2.15M · loan HK$19.32M · min. income ≈ HK$206,684/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$897,199 · Scale 2, in force from 26 Feb 2026)