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$48,861
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$50,380
−HK$1,545/mo
Today · 4.125%
HK$51,925
baseline
▲ 0.50% · 4.625%
HK$55,084
+HK$3,159/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$103,850/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$892,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,357
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$55,815
−HK$1,479/mo
Today · 4.125%
HK$57,294
baseline
▲ 0.50% · 4.625%
HK$60,314
+HK$3,020/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$114,588/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$892,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,633
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$60,457
−HK$1,852/mo
Today · 4.125%
HK$62,309
baseline
▲ 0.50% · 4.625%
HK$66,101
+HK$3,792/mo
Deposit HK$8.57M · loan HK$12.86M · min. income ≈ HK$124,618/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$892,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,228
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$66,978
−HK$1,774/mo
Today · 4.125%
HK$68,752
baseline
▲ 0.50% · 4.625%
HK$72,376
+HK$3,624/mo
Deposit HK$8.57M · loan HK$12.86M · min. income ≈ HK$137,504/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$892,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,405
−HK$4,289/mo
▼ 0.25% · 3.875%
HK$70,533
−HK$2,161/mo
Today · 4.125%
HK$72,694
baseline
▲ 0.50% · 4.625%
HK$77,118
+HK$4,424/mo
Deposit HK$6.43M · loan HK$15.00M · min. income ≈ HK$145,388/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$892,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,100
−HK$4,111/mo
▼ 0.25% · 3.875%
HK$78,141
−HK$2,070/mo
Today · 4.125%
HK$80,211
baseline
▲ 0.50% · 4.625%
HK$84,439
+HK$4,228/mo
Deposit HK$6.43M · loan HK$15.00M · min. income ≈ HK$160,422/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$892,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,949
−HK$5,515/mo
▼ 0.25% · 3.875%
HK$90,685
−HK$2,779/mo
Today · 4.125%
HK$93,464
baseline
▲ 0.50% · 4.625%
HK$99,151
+HK$5,687/mo
Deposit HK$2.14M · loan HK$19.28M · min. income ≈ HK$186,928/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$892,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,842
−HK$5,287/mo
▼ 0.25% · 3.875%
HK$100,467
−HK$2,662/mo
Today · 4.125%
HK$103,129
baseline
▲ 0.50% · 4.625%
HK$108,565
+HK$5,436/mo
Deposit HK$2.14M · loan HK$19.28M · min. income ≈ HK$206,258/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$892,768 · Scale 2, in force from 26 Feb 2026)