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$48,942
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$50,464
−HK$1,547/mo
Today · 4.125%
HK$52,011
baseline
▲ 0.50% · 4.625%
HK$55,176
+HK$3,165/mo
Deposit HK$10.73M · loan HK$10.73M · min. income ≈ HK$104,022/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$896,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,448
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$55,908
−HK$1,481/mo
Today · 4.125%
HK$57,389
baseline
▲ 0.50% · 4.625%
HK$60,414
+HK$3,025/mo
Deposit HK$10.73M · loan HK$10.73M · min. income ≈ HK$114,778/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$896,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,731
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$60,557
−HK$1,856/mo
Today · 4.125%
HK$62,413
baseline
▲ 0.50% · 4.625%
HK$66,211
+HK$3,798/mo
Deposit HK$8.59M · loan HK$12.88M · min. income ≈ HK$124,826/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$896,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,337
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$67,089
−HK$1,778/mo
Today · 4.125%
HK$68,867
baseline
▲ 0.50% · 4.625%
HK$72,497
+HK$3,630/mo
Deposit HK$8.59M · loan HK$12.88M · min. income ≈ HK$137,734/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$896,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,519
−HK$4,297/mo
▼ 0.25% · 3.875%
HK$70,650
−HK$2,166/mo
Today · 4.125%
HK$72,816
baseline
▲ 0.50% · 4.625%
HK$77,246
+HK$4,430/mo
Deposit HK$6.44M · loan HK$15.02M · min. income ≈ HK$145,632/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$896,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,227
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$78,271
−HK$2,074/mo
Today · 4.125%
HK$80,345
baseline
▲ 0.50% · 4.625%
HK$84,580
+HK$4,235/mo
Deposit HK$6.44M · loan HK$15.02M · min. income ≈ HK$160,690/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$896,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,096
−HK$5,524/mo
▼ 0.25% · 3.875%
HK$90,836
−HK$2,784/mo
Today · 4.125%
HK$93,620
baseline
▲ 0.50% · 4.625%
HK$99,317
+HK$5,697/mo
Deposit HK$2.15M · loan HK$19.32M · min. income ≈ HK$187,240/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$896,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,006
−HK$5,295/mo
▼ 0.25% · 3.875%
HK$100,634
−HK$2,667/mo
Today · 4.125%
HK$103,301
baseline
▲ 0.50% · 4.625%
HK$108,746
+HK$5,445/mo
Deposit HK$2.15M · loan HK$19.32M · min. income ≈ HK$206,602/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$896,343 · Scale 2, in force from 26 Feb 2026)