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$48,944
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$50,467
−HK$1,546/mo
Today · 4.125%
HK$52,013
baseline
▲ 0.50% · 4.625%
HK$55,178
+HK$3,165/mo
Deposit HK$10.73M · loan HK$10.73M · min. income ≈ HK$104,026/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$896,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,450
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$55,910
−HK$1,482/mo
Today · 4.125%
HK$57,392
baseline
▲ 0.50% · 4.625%
HK$60,417
+HK$3,025/mo
Deposit HK$10.73M · loan HK$10.73M · min. income ≈ HK$114,784/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$896,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,733
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$60,560
−HK$1,856/mo
Today · 4.125%
HK$62,416
baseline
▲ 0.50% · 4.625%
HK$66,214
+HK$3,798/mo
Deposit HK$8.59M · loan HK$12.88M · min. income ≈ HK$124,832/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$896,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,340
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$67,092
−HK$1,778/mo
Today · 4.125%
HK$68,870
baseline
▲ 0.50% · 4.625%
HK$72,500
+HK$3,630/mo
Deposit HK$8.59M · loan HK$12.88M · min. income ≈ HK$137,740/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$896,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,522
−HK$4,297/mo
▼ 0.25% · 3.875%
HK$70,653
−HK$2,166/mo
Today · 4.125%
HK$72,819
baseline
▲ 0.50% · 4.625%
HK$77,249
+HK$4,430/mo
Deposit HK$6.44M · loan HK$15.03M · min. income ≈ HK$145,638/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$896,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,230
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$78,274
−HK$2,074/mo
Today · 4.125%
HK$80,348
baseline
▲ 0.50% · 4.625%
HK$84,583
+HK$4,235/mo
Deposit HK$6.44M · loan HK$15.03M · min. income ≈ HK$160,696/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$896,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,099
−HK$5,525/mo
▼ 0.25% · 3.875%
HK$90,840
−HK$2,784/mo
Today · 4.125%
HK$93,624
baseline
▲ 0.50% · 4.625%
HK$99,321
+HK$5,697/mo
Deposit HK$2.15M · loan HK$19.32M · min. income ≈ HK$187,248/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$896,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,010
−HK$5,295/mo
▼ 0.25% · 3.875%
HK$100,638
−HK$2,667/mo
Today · 4.125%
HK$103,305
baseline
▲ 0.50% · 4.625%
HK$108,750
+HK$5,445/mo
Deposit HK$2.15M · loan HK$19.32M · min. income ≈ HK$206,610/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$896,429 · Scale 2, in force from 26 Feb 2026)