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$48,919
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$50,441
−HK$1,546/mo
Today · 4.125%
HK$51,987
baseline
▲ 0.50% · 4.625%
HK$55,150
+HK$3,163/mo
Deposit HK$10.73M · loan HK$10.73M · min. income ≈ HK$103,974/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$895,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,422
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$55,881
−HK$1,481/mo
Today · 4.125%
HK$57,362
baseline
▲ 0.50% · 4.625%
HK$60,386
+HK$3,024/mo
Deposit HK$10.73M · loan HK$10.73M · min. income ≈ HK$114,724/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$895,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,703
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$60,529
−HK$1,855/mo
Today · 4.125%
HK$62,384
baseline
▲ 0.50% · 4.625%
HK$66,180
+HK$3,796/mo
Deposit HK$8.58M · loan HK$12.87M · min. income ≈ HK$124,768/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$895,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,306
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$67,058
−HK$1,776/mo
Today · 4.125%
HK$68,834
baseline
▲ 0.50% · 4.625%
HK$72,463
+HK$3,629/mo
Deposit HK$8.58M · loan HK$12.87M · min. income ≈ HK$137,668/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$895,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,486
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$70,617
−HK$2,164/mo
Today · 4.125%
HK$72,781
baseline
▲ 0.50% · 4.625%
HK$77,210
+HK$4,429/mo
Deposit HK$6.44M · loan HK$15.02M · min. income ≈ HK$145,562/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$895,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,190
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$78,234
−HK$2,073/mo
Today · 4.125%
HK$80,307
baseline
▲ 0.50% · 4.625%
HK$84,540
+HK$4,233/mo
Deposit HK$6.44M · loan HK$15.02M · min. income ≈ HK$160,614/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$895,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,054
−HK$5,522/mo
▼ 0.25% · 3.875%
HK$90,793
−HK$2,783/mo
Today · 4.125%
HK$93,576
baseline
▲ 0.50% · 4.625%
HK$99,270
+HK$5,694/mo
Deposit HK$2.15M · loan HK$19.31M · min. income ≈ HK$187,152/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$895,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,959
−HK$5,293/mo
▼ 0.25% · 3.875%
HK$100,586
−HK$2,666/mo
Today · 4.125%
HK$103,252
baseline
▲ 0.50% · 4.625%
HK$108,694
+HK$5,442/mo
Deposit HK$2.15M · loan HK$19.31M · min. income ≈ HK$206,504/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$895,324 · Scale 2, in force from 26 Feb 2026)