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$48,835
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$50,354
−HK$1,544/mo
Today · 4.125%
HK$51,898
baseline
▲ 0.50% · 4.625%
HK$55,055
+HK$3,157/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$103,796/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$891,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,329
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$55,786
−HK$1,478/mo
Today · 4.125%
HK$57,264
baseline
▲ 0.50% · 4.625%
HK$60,282
+HK$3,018/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$114,528/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$891,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,602
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$60,425
−HK$1,852/mo
Today · 4.125%
HK$62,277
baseline
▲ 0.50% · 4.625%
HK$66,066
+HK$3,789/mo
Deposit HK$8.57M · loan HK$12.85M · min. income ≈ HK$124,554/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$891,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,194
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$66,943
−HK$1,774/mo
Today · 4.125%
HK$68,717
baseline
▲ 0.50% · 4.625%
HK$72,339
+HK$3,622/mo
Deposit HK$8.57M · loan HK$12.85M · min. income ≈ HK$137,434/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$891,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,369
−HK$4,288/mo
▼ 0.25% · 3.875%
HK$70,496
−HK$2,161/mo
Today · 4.125%
HK$72,657
baseline
▲ 0.50% · 4.625%
HK$77,077
+HK$4,420/mo
Deposit HK$6.42M · loan HK$14.99M · min. income ≈ HK$145,314/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$891,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,060
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$78,100
−HK$2,069/mo
Today · 4.125%
HK$80,169
baseline
▲ 0.50% · 4.625%
HK$84,395
+HK$4,226/mo
Deposit HK$6.42M · loan HK$14.99M · min. income ≈ HK$160,338/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$891,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,903
−HK$5,513/mo
▼ 0.25% · 3.875%
HK$90,637
−HK$2,779/mo
Today · 4.125%
HK$93,416
baseline
▲ 0.50% · 4.625%
HK$99,100
+HK$5,684/mo
Deposit HK$2.14M · loan HK$19.27M · min. income ≈ HK$186,832/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$891,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,791
−HK$5,284/mo
▼ 0.25% · 3.875%
HK$100,414
−HK$2,661/mo
Today · 4.125%
HK$103,075
baseline
▲ 0.50% · 4.625%
HK$108,508
+HK$5,433/mo
Deposit HK$2.14M · loan HK$19.27M · min. income ≈ HK$206,150/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$891,650 · Scale 2, in force from 26 Feb 2026)