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$48,889
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$50,409
−HK$1,546/mo
Today · 4.125%
HK$51,955
baseline
▲ 0.50% · 4.625%
HK$55,116
+HK$3,161/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$103,910/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$894,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,388
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$55,847
−HK$1,480/mo
Today · 4.125%
HK$57,327
baseline
▲ 0.50% · 4.625%
HK$60,348
+HK$3,021/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$114,654/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$894,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,667
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$60,491
−HK$1,854/mo
Today · 4.125%
HK$62,345
baseline
▲ 0.50% · 4.625%
HK$66,139
+HK$3,794/mo
Deposit HK$8.58M · loan HK$12.86M · min. income ≈ HK$124,690/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$894,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,266
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$67,016
−HK$1,776/mo
Today · 4.125%
HK$68,792
baseline
▲ 0.50% · 4.625%
HK$72,418
+HK$3,626/mo
Deposit HK$8.58M · loan HK$12.86M · min. income ≈ HK$137,584/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$894,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,444
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$70,573
−HK$2,163/mo
Today · 4.125%
HK$72,736
baseline
▲ 0.50% · 4.625%
HK$77,162
+HK$4,426/mo
Deposit HK$6.43M · loan HK$15.01M · min. income ≈ HK$145,472/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$894,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,144
−HK$4,113/mo
▼ 0.25% · 3.875%
HK$78,186
−HK$2,071/mo
Today · 4.125%
HK$80,257
baseline
▲ 0.50% · 4.625%
HK$84,488
+HK$4,231/mo
Deposit HK$6.43M · loan HK$15.01M · min. income ≈ HK$160,514/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$894,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,000
−HK$5,518/mo
▼ 0.25% · 3.875%
HK$90,737
−HK$2,781/mo
Today · 4.125%
HK$93,518
baseline
▲ 0.50% · 4.625%
HK$99,209
+HK$5,691/mo
Deposit HK$2.14M · loan HK$19.30M · min. income ≈ HK$187,036/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$894,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,899
−HK$5,289/mo
▼ 0.25% · 3.875%
HK$100,524
−HK$2,664/mo
Today · 4.125%
HK$103,188
baseline
▲ 0.50% · 4.625%
HK$108,627
+HK$5,439/mo
Deposit HK$2.14M · loan HK$19.30M · min. income ≈ HK$206,376/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$894,004 · Scale 2, in force from 26 Feb 2026)