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$48,882
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$50,403
−HK$1,545/mo
Today · 4.125%
HK$51,948
baseline
▲ 0.50% · 4.625%
HK$55,109
+HK$3,161/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$103,896/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$893,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,381
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$55,840
−HK$1,479/mo
Today · 4.125%
HK$57,319
baseline
▲ 0.50% · 4.625%
HK$60,341
+HK$3,022/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$114,638/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$893,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,659
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$60,484
−HK$1,853/mo
Today · 4.125%
HK$62,337
baseline
▲ 0.50% · 4.625%
HK$66,130
+HK$3,793/mo
Deposit HK$8.57M · loan HK$12.86M · min. income ≈ HK$124,674/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$893,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,257
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$67,008
−HK$1,775/mo
Today · 4.125%
HK$68,783
baseline
▲ 0.50% · 4.625%
HK$72,409
+HK$3,626/mo
Deposit HK$8.57M · loan HK$12.86M · min. income ≈ HK$137,566/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$893,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,435
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$70,564
−HK$2,163/mo
Today · 4.125%
HK$72,727
baseline
▲ 0.50% · 4.625%
HK$77,152
+HK$4,425/mo
Deposit HK$6.43M · loan HK$15.01M · min. income ≈ HK$145,454/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$893,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,134
−HK$4,113/mo
▼ 0.25% · 3.875%
HK$78,176
−HK$2,071/mo
Today · 4.125%
HK$80,247
baseline
▲ 0.50% · 4.625%
HK$84,477
+HK$4,230/mo
Deposit HK$6.43M · loan HK$15.01M · min. income ≈ HK$160,494/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$893,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,988
−HK$5,518/mo
▼ 0.25% · 3.875%
HK$90,725
−HK$2,781/mo
Today · 4.125%
HK$93,506
baseline
▲ 0.50% · 4.625%
HK$99,196
+HK$5,690/mo
Deposit HK$2.14M · loan HK$19.29M · min. income ≈ HK$187,012/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$893,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,886
−HK$5,289/mo
▼ 0.25% · 3.875%
HK$100,511
−HK$2,664/mo
Today · 4.125%
HK$103,175
baseline
▲ 0.50% · 4.625%
HK$108,613
+HK$5,438/mo
Deposit HK$2.14M · loan HK$19.29M · min. income ≈ HK$206,350/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$893,726 · Scale 2, in force from 26 Feb 2026)