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$48,868
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$50,388
−HK$1,545/mo
Today · 4.125%
HK$51,933
baseline
▲ 0.50% · 4.625%
HK$55,093
+HK$3,160/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$103,866/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$893,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,365
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$55,823
−HK$1,480/mo
Today · 4.125%
HK$57,303
baseline
▲ 0.50% · 4.625%
HK$60,323
+HK$3,020/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$114,606/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$893,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,642
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$60,466
−HK$1,853/mo
Today · 4.125%
HK$62,319
baseline
▲ 0.50% · 4.625%
HK$66,111
+HK$3,792/mo
Deposit HK$8.57M · loan HK$12.86M · min. income ≈ HK$124,638/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$893,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,239
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$66,988
−HK$1,775/mo
Today · 4.125%
HK$68,763
baseline
▲ 0.50% · 4.625%
HK$72,388
+HK$3,625/mo
Deposit HK$8.57M · loan HK$12.86M · min. income ≈ HK$137,526/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$893,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,416
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$70,544
−HK$2,162/mo
Today · 4.125%
HK$72,706
baseline
▲ 0.50% · 4.625%
HK$77,130
+HK$4,424/mo
Deposit HK$6.43M · loan HK$15.00M · min. income ≈ HK$145,412/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$893,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,112
−HK$4,112/mo
▼ 0.25% · 3.875%
HK$78,153
−HK$2,071/mo
Today · 4.125%
HK$80,224
baseline
▲ 0.50% · 4.625%
HK$84,452
+HK$4,228/mo
Deposit HK$6.43M · loan HK$15.00M · min. income ≈ HK$160,448/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$893,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,963
−HK$5,516/mo
▼ 0.25% · 3.875%
HK$90,699
−HK$2,780/mo
Today · 4.125%
HK$93,479
baseline
▲ 0.50% · 4.625%
HK$99,167
+HK$5,688/mo
Deposit HK$2.14M · loan HK$19.29M · min. income ≈ HK$186,958/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$893,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,858
−HK$5,287/mo
▼ 0.25% · 3.875%
HK$100,482
−HK$2,663/mo
Today · 4.125%
HK$103,145
baseline
▲ 0.50% · 4.625%
HK$108,582
+HK$5,437/mo
Deposit HK$2.14M · loan HK$19.29M · min. income ≈ HK$206,290/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$893,104 · Scale 2, in force from 26 Feb 2026)