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$48,910
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$50,431
−HK$1,546/mo
Today · 4.125%
HK$51,977
baseline
▲ 0.50% · 4.625%
HK$55,139
+HK$3,162/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$103,954/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$894,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,411
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$55,871
−HK$1,480/mo
Today · 4.125%
HK$57,351
baseline
▲ 0.50% · 4.625%
HK$60,374
+HK$3,023/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$114,702/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$894,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,692
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$60,517
−HK$1,855/mo
Today · 4.125%
HK$62,372
baseline
▲ 0.50% · 4.625%
HK$66,167
+HK$3,795/mo
Deposit HK$8.58M · loan HK$12.87M · min. income ≈ HK$124,744/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$894,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,294
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$67,045
−HK$1,776/mo
Today · 4.125%
HK$68,821
baseline
▲ 0.50% · 4.625%
HK$72,449
+HK$3,628/mo
Deposit HK$8.58M · loan HK$12.87M · min. income ≈ HK$137,642/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$894,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,473
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$70,603
−HK$2,164/mo
Today · 4.125%
HK$72,767
baseline
▲ 0.50% · 4.625%
HK$77,195
+HK$4,428/mo
Deposit HK$6.43M · loan HK$15.01M · min. income ≈ HK$145,534/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$894,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,176
−HK$4,116/mo
▼ 0.25% · 3.875%
HK$78,219
−HK$2,073/mo
Today · 4.125%
HK$80,292
baseline
▲ 0.50% · 4.625%
HK$84,524
+HK$4,232/mo
Deposit HK$6.43M · loan HK$15.01M · min. income ≈ HK$160,584/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$894,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,037
−HK$5,521/mo
▼ 0.25% · 3.875%
HK$90,776
−HK$2,782/mo
Today · 4.125%
HK$93,558
baseline
▲ 0.50% · 4.625%
HK$99,251
+HK$5,693/mo
Deposit HK$2.14M · loan HK$19.30M · min. income ≈ HK$187,116/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$894,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,941
−HK$5,291/mo
▼ 0.25% · 3.875%
HK$100,567
−HK$2,665/mo
Today · 4.125%
HK$103,232
baseline
▲ 0.50% · 4.625%
HK$108,674
+HK$5,442/mo
Deposit HK$2.14M · loan HK$19.30M · min. income ≈ HK$206,464/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$894,919 · Scale 2, in force from 26 Feb 2026)