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$48,907
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$50,428
−HK$1,546/mo
Today · 4.125%
HK$51,974
baseline
▲ 0.50% · 4.625%
HK$55,137
+HK$3,163/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$103,948/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$894,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,409
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$55,868
−HK$1,480/mo
Today · 4.125%
HK$57,348
baseline
▲ 0.50% · 4.625%
HK$60,371
+HK$3,023/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$114,696/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$894,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,689
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$60,514
−HK$1,855/mo
Today · 4.125%
HK$62,369
baseline
▲ 0.50% · 4.625%
HK$66,164
+HK$3,795/mo
Deposit HK$8.58M · loan HK$12.87M · min. income ≈ HK$124,738/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$894,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,290
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$67,041
−HK$1,777/mo
Today · 4.125%
HK$68,818
baseline
▲ 0.50% · 4.625%
HK$72,445
+HK$3,627/mo
Deposit HK$8.58M · loan HK$12.87M · min. income ≈ HK$137,636/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$894,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,470
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$70,600
−HK$2,164/mo
Today · 4.125%
HK$72,764
baseline
▲ 0.50% · 4.625%
HK$77,191
+HK$4,427/mo
Deposit HK$6.43M · loan HK$15.01M · min. income ≈ HK$145,528/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$894,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,172
−HK$4,115/mo
▼ 0.25% · 3.875%
HK$78,215
−HK$2,072/mo
Today · 4.125%
HK$80,287
baseline
▲ 0.50% · 4.625%
HK$84,520
+HK$4,233/mo
Deposit HK$6.43M · loan HK$15.01M · min. income ≈ HK$160,574/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$894,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,033
−HK$5,520/mo
▼ 0.25% · 3.875%
HK$90,771
−HK$2,782/mo
Today · 4.125%
HK$93,553
baseline
▲ 0.50% · 4.625%
HK$99,246
+HK$5,693/mo
Deposit HK$2.14M · loan HK$19.30M · min. income ≈ HK$187,106/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$894,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,936
−HK$5,291/mo
▼ 0.25% · 3.875%
HK$100,562
−HK$2,665/mo
Today · 4.125%
HK$103,227
baseline
▲ 0.50% · 4.625%
HK$108,668
+HK$5,441/mo
Deposit HK$2.14M · loan HK$19.30M · min. income ≈ HK$206,454/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$894,808 · Scale 2, in force from 26 Feb 2026)