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$48,822
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$50,341
−HK$1,543/mo
Today · 4.125%
HK$51,884
baseline
▲ 0.50% · 4.625%
HK$55,041
+HK$3,157/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$103,768/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$891,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,314
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$55,771
−HK$1,477/mo
Today · 4.125%
HK$57,248
baseline
▲ 0.50% · 4.625%
HK$60,266
+HK$3,018/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$114,496/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$891,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,586
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$60,409
−HK$1,851/mo
Today · 4.125%
HK$62,260
baseline
▲ 0.50% · 4.625%
HK$66,049
+HK$3,789/mo
Deposit HK$8.56M · loan HK$12.85M · min. income ≈ HK$124,520/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$891,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,177
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$66,925
−HK$1,773/mo
Today · 4.125%
HK$68,698
baseline
▲ 0.50% · 4.625%
HK$72,319
+HK$3,621/mo
Deposit HK$8.56M · loan HK$12.85M · min. income ≈ HK$137,396/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$891,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,351
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$70,477
−HK$2,160/mo
Today · 4.125%
HK$72,637
baseline
▲ 0.50% · 4.625%
HK$77,057
+HK$4,420/mo
Deposit HK$6.42M · loan HK$14.99M · min. income ≈ HK$145,274/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$891,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,040
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$78,079
−HK$2,069/mo
Today · 4.125%
HK$80,148
baseline
▲ 0.50% · 4.625%
HK$84,372
+HK$4,224/mo
Deposit HK$6.42M · loan HK$14.99M · min. income ≈ HK$160,296/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$891,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,880
−HK$5,510/mo
▼ 0.25% · 3.875%
HK$90,613
−HK$2,777/mo
Today · 4.125%
HK$93,390
baseline
▲ 0.50% · 4.625%
HK$99,073
+HK$5,683/mo
Deposit HK$2.14M · loan HK$19.27M · min. income ≈ HK$186,780/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$891,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,765
−HK$5,282/mo
▼ 0.25% · 3.875%
HK$100,387
−HK$2,660/mo
Today · 4.125%
HK$103,047
baseline
▲ 0.50% · 4.625%
HK$108,479
+HK$5,432/mo
Deposit HK$2.14M · loan HK$19.27M · min. income ≈ HK$206,094/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$891,076 · Scale 2, in force from 26 Feb 2026)