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$48,860
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$50,380
−HK$1,544/mo
Today · 4.125%
HK$51,924
baseline
▲ 0.50% · 4.625%
HK$55,083
+HK$3,159/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$103,848/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$892,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,356
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$55,814
−HK$1,479/mo
Today · 4.125%
HK$57,293
baseline
▲ 0.50% · 4.625%
HK$60,313
+HK$3,020/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$114,586/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$892,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,632
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$60,456
−HK$1,853/mo
Today · 4.125%
HK$62,309
baseline
▲ 0.50% · 4.625%
HK$66,100
+HK$3,791/mo
Deposit HK$8.57M · loan HK$12.86M · min. income ≈ HK$124,618/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$892,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,227
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$66,977
−HK$1,774/mo
Today · 4.125%
HK$68,751
baseline
▲ 0.50% · 4.625%
HK$72,375
+HK$3,624/mo
Deposit HK$8.57M · loan HK$12.86M · min. income ≈ HK$137,502/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$892,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,404
−HK$4,289/mo
▼ 0.25% · 3.875%
HK$70,532
−HK$2,161/mo
Today · 4.125%
HK$72,693
baseline
▲ 0.50% · 4.625%
HK$77,117
+HK$4,424/mo
Deposit HK$6.43M · loan HK$15.00M · min. income ≈ HK$145,386/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$892,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,099
−HK$4,111/mo
▼ 0.25% · 3.875%
HK$78,139
−HK$2,071/mo
Today · 4.125%
HK$80,210
baseline
▲ 0.50% · 4.625%
HK$84,438
+HK$4,228/mo
Deposit HK$6.43M · loan HK$15.00M · min. income ≈ HK$160,420/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$892,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,948
−HK$5,515/mo
▼ 0.25% · 3.875%
HK$90,683
−HK$2,780/mo
Today · 4.125%
HK$93,463
baseline
▲ 0.50% · 4.625%
HK$99,150
+HK$5,687/mo
Deposit HK$2.14M · loan HK$19.28M · min. income ≈ HK$186,926/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$892,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,841
−HK$5,286/mo
▼ 0.25% · 3.875%
HK$100,465
−HK$2,662/mo
Today · 4.125%
HK$103,127
baseline
▲ 0.50% · 4.625%
HK$108,563
+HK$5,436/mo
Deposit HK$2.14M · loan HK$19.28M · min. income ≈ HK$206,254/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$892,736 · Scale 2, in force from 26 Feb 2026)