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$48,849
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$50,369
−HK$1,543/mo
Today · 4.125%
HK$51,912
baseline
▲ 0.50% · 4.625%
HK$55,071
+HK$3,159/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$103,824/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$892,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,344
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$55,802
−HK$1,478/mo
Today · 4.125%
HK$57,280
baseline
▲ 0.50% · 4.625%
HK$60,299
+HK$3,019/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$114,560/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$892,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,619
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$60,442
−HK$1,853/mo
Today · 4.125%
HK$62,295
baseline
▲ 0.50% · 4.625%
HK$66,085
+HK$3,790/mo
Deposit HK$8.57M · loan HK$12.85M · min. income ≈ HK$124,590/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$892,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,213
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$66,962
−HK$1,774/mo
Today · 4.125%
HK$68,736
baseline
▲ 0.50% · 4.625%
HK$72,359
+HK$3,623/mo
Deposit HK$8.57M · loan HK$12.85M · min. income ≈ HK$137,472/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$892,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,389
−HK$4,288/mo
▼ 0.25% · 3.875%
HK$70,516
−HK$2,161/mo
Today · 4.125%
HK$72,677
baseline
▲ 0.50% · 4.625%
HK$77,100
+HK$4,423/mo
Deposit HK$6.43M · loan HK$15.00M · min. income ≈ HK$145,354/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$892,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,082
−HK$4,110/mo
▼ 0.25% · 3.875%
HK$78,122
−HK$2,070/mo
Today · 4.125%
HK$80,192
baseline
▲ 0.50% · 4.625%
HK$84,419
+HK$4,227/mo
Deposit HK$6.43M · loan HK$15.00M · min. income ≈ HK$160,384/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$892,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,928
−HK$5,514/mo
▼ 0.25% · 3.875%
HK$90,663
−HK$2,779/mo
Today · 4.125%
HK$93,442
baseline
▲ 0.50% · 4.625%
HK$99,128
+HK$5,686/mo
Deposit HK$2.14M · loan HK$19.28M · min. income ≈ HK$186,884/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$892,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,819
−HK$5,285/mo
▼ 0.25% · 3.875%
HK$100,443
−HK$2,661/mo
Today · 4.125%
HK$103,104
baseline
▲ 0.50% · 4.625%
HK$108,539
+HK$5,435/mo
Deposit HK$2.14M · loan HK$19.28M · min. income ≈ HK$206,208/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$892,263 · Scale 2, in force from 26 Feb 2026)