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$48,957
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$50,479
−HK$1,548/mo
Today · 4.125%
HK$52,027
baseline
▲ 0.50% · 4.625%
HK$55,192
+HK$3,165/mo
Deposit HK$10.73M · loan HK$10.73M · min. income ≈ HK$104,054/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$896,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,464
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$55,924
−HK$1,482/mo
Today · 4.125%
HK$57,406
baseline
▲ 0.50% · 4.625%
HK$60,432
+HK$3,026/mo
Deposit HK$10.73M · loan HK$10.73M · min. income ≈ HK$114,812/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$896,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,748
−HK$3,684/mo
▼ 0.25% · 3.875%
HK$60,575
−HK$1,857/mo
Today · 4.125%
HK$62,432
baseline
▲ 0.50% · 4.625%
HK$66,231
+HK$3,799/mo
Deposit HK$8.59M · loan HK$12.88M · min. income ≈ HK$124,864/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$896,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,356
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$67,109
−HK$1,778/mo
Today · 4.125%
HK$68,887
baseline
▲ 0.50% · 4.625%
HK$72,519
+HK$3,632/mo
Deposit HK$8.59M · loan HK$12.88M · min. income ≈ HK$137,774/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$896,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,539
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$70,671
−HK$2,166/mo
Today · 4.125%
HK$72,837
baseline
▲ 0.50% · 4.625%
HK$77,269
+HK$4,432/mo
Deposit HK$6.44M · loan HK$15.03M · min. income ≈ HK$145,674/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$896,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,249
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$78,294
−HK$2,075/mo
Today · 4.125%
HK$80,369
baseline
▲ 0.50% · 4.625%
HK$84,605
+HK$4,236/mo
Deposit HK$6.44M · loan HK$15.03M · min. income ≈ HK$160,738/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$896,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,122
−HK$5,526/mo
▼ 0.25% · 3.875%
HK$90,863
−HK$2,785/mo
Today · 4.125%
HK$93,648
baseline
▲ 0.50% · 4.625%
HK$99,346
+HK$5,698/mo
Deposit HK$2.15M · loan HK$19.32M · min. income ≈ HK$187,296/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$896,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,035
−HK$5,296/mo
▼ 0.25% · 3.875%
HK$100,664
−HK$2,667/mo
Today · 4.125%
HK$103,331
baseline
▲ 0.50% · 4.625%
HK$108,778
+HK$5,447/mo
Deposit HK$2.15M · loan HK$19.32M · min. income ≈ HK$206,662/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$896,976 · Scale 2, in force from 26 Feb 2026)