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$48,901
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$50,422
−HK$1,546/mo
Today · 4.125%
HK$51,968
baseline
▲ 0.50% · 4.625%
HK$55,130
+HK$3,162/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$103,936/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$894,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,402
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$55,861
−HK$1,480/mo
Today · 4.125%
HK$57,341
baseline
▲ 0.50% · 4.625%
HK$60,364
+HK$3,023/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$114,682/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$894,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,681
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$60,507
−HK$1,854/mo
Today · 4.125%
HK$62,361
baseline
▲ 0.50% · 4.625%
HK$66,156
+HK$3,795/mo
Deposit HK$8.58M · loan HK$12.87M · min. income ≈ HK$124,722/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$894,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,282
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$67,033
−HK$1,776/mo
Today · 4.125%
HK$68,809
baseline
▲ 0.50% · 4.625%
HK$72,436
+HK$3,627/mo
Deposit HK$8.58M · loan HK$12.87M · min. income ≈ HK$137,618/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$894,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,461
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$70,591
−HK$2,164/mo
Today · 4.125%
HK$72,755
baseline
▲ 0.50% · 4.625%
HK$77,181
+HK$4,426/mo
Deposit HK$6.43M · loan HK$15.01M · min. income ≈ HK$145,510/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$894,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,163
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$78,205
−HK$2,072/mo
Today · 4.125%
HK$80,277
baseline
▲ 0.50% · 4.625%
HK$84,509
+HK$4,232/mo
Deposit HK$6.43M · loan HK$15.01M · min. income ≈ HK$160,554/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$894,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,022
−HK$5,520/mo
▼ 0.25% · 3.875%
HK$90,760
−HK$2,782/mo
Today · 4.125%
HK$93,542
baseline
▲ 0.50% · 4.625%
HK$99,233
+HK$5,691/mo
Deposit HK$2.14M · loan HK$19.30M · min. income ≈ HK$187,084/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$894,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,923
−HK$5,291/mo
▼ 0.25% · 3.875%
HK$100,550
−HK$2,664/mo
Today · 4.125%
HK$103,214
baseline
▲ 0.50% · 4.625%
HK$108,654
+HK$5,440/mo
Deposit HK$2.14M · loan HK$19.30M · min. income ≈ HK$206,428/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$894,539 · Scale 2, in force from 26 Feb 2026)