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$48,878
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$50,398
−HK$1,545/mo
Today · 4.125%
HK$51,943
baseline
▲ 0.50% · 4.625%
HK$55,104
+HK$3,161/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$103,886/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$893,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,376
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$55,835
−HK$1,479/mo
Today · 4.125%
HK$57,314
baseline
▲ 0.50% · 4.625%
HK$60,335
+HK$3,021/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$114,628/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$893,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,654
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$60,478
−HK$1,854/mo
Today · 4.125%
HK$62,332
baseline
▲ 0.50% · 4.625%
HK$66,124
+HK$3,792/mo
Deposit HK$8.57M · loan HK$12.86M · min. income ≈ HK$124,664/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$893,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,251
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$67,001
−HK$1,776/mo
Today · 4.125%
HK$68,777
baseline
▲ 0.50% · 4.625%
HK$72,402
+HK$3,625/mo
Deposit HK$8.57M · loan HK$12.86M · min. income ≈ HK$137,554/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$893,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,429
−HK$4,291/mo
▼ 0.25% · 3.875%
HK$70,558
−HK$2,162/mo
Today · 4.125%
HK$72,720
baseline
▲ 0.50% · 4.625%
HK$77,145
+HK$4,425/mo
Deposit HK$6.43M · loan HK$15.00M · min. income ≈ HK$145,440/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$893,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,127
−HK$4,113/mo
▼ 0.25% · 3.875%
HK$78,168
−HK$2,072/mo
Today · 4.125%
HK$80,240
baseline
▲ 0.50% · 4.625%
HK$84,469
+HK$4,229/mo
Deposit HK$6.43M · loan HK$15.00M · min. income ≈ HK$160,480/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$893,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,980
−HK$5,517/mo
▼ 0.25% · 3.875%
HK$90,717
−HK$2,780/mo
Today · 4.125%
HK$93,497
baseline
▲ 0.50% · 4.625%
HK$99,186
+HK$5,689/mo
Deposit HK$2.14M · loan HK$19.29M · min. income ≈ HK$186,994/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$893,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,877
−HK$5,288/mo
▼ 0.25% · 3.875%
HK$100,502
−HK$2,663/mo
Today · 4.125%
HK$103,165
baseline
▲ 0.50% · 4.625%
HK$108,603
+HK$5,438/mo
Deposit HK$2.14M · loan HK$19.29M · min. income ≈ HK$206,330/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$893,528 · Scale 2, in force from 26 Feb 2026)