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$48,934
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$50,456
−HK$1,547/mo
Today · 4.125%
HK$52,003
baseline
▲ 0.50% · 4.625%
HK$55,167
+HK$3,164/mo
Deposit HK$10.73M · loan HK$10.73M · min. income ≈ HK$104,006/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$895,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,439
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$55,899
−HK$1,481/mo
Today · 4.125%
HK$57,380
baseline
▲ 0.50% · 4.625%
HK$60,404
+HK$3,024/mo
Deposit HK$10.73M · loan HK$10.73M · min. income ≈ HK$114,760/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$895,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,721
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$60,547
−HK$1,856/mo
Today · 4.125%
HK$62,403
baseline
▲ 0.50% · 4.625%
HK$66,200
+HK$3,797/mo
Deposit HK$8.58M · loan HK$12.88M · min. income ≈ HK$124,806/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$895,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,326
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$67,078
−HK$1,778/mo
Today · 4.125%
HK$68,856
baseline
▲ 0.50% · 4.625%
HK$72,485
+HK$3,629/mo
Deposit HK$8.58M · loan HK$12.88M · min. income ≈ HK$137,712/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$895,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,508
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$70,639
−HK$2,165/mo
Today · 4.125%
HK$72,804
baseline
▲ 0.50% · 4.625%
HK$77,234
+HK$4,430/mo
Deposit HK$6.44M · loan HK$15.02M · min. income ≈ HK$145,608/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$895,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,214
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$78,258
−HK$2,074/mo
Today · 4.125%
HK$80,332
baseline
▲ 0.50% · 4.625%
HK$84,566
+HK$4,234/mo
Deposit HK$6.44M · loan HK$15.02M · min. income ≈ HK$160,664/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$895,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,081
−HK$5,524/mo
▼ 0.25% · 3.875%
HK$90,821
−HK$2,784/mo
Today · 4.125%
HK$93,605
baseline
▲ 0.50% · 4.625%
HK$99,300
+HK$5,695/mo
Deposit HK$2.15M · loan HK$19.31M · min. income ≈ HK$187,210/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$895,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,990
−HK$5,294/mo
▼ 0.25% · 3.875%
HK$100,618
−HK$2,666/mo
Today · 4.125%
HK$103,284
baseline
▲ 0.50% · 4.625%
HK$108,728
+HK$5,444/mo
Deposit HK$2.15M · loan HK$19.31M · min. income ≈ HK$206,568/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$895,990 · Scale 2, in force from 26 Feb 2026)