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$48,902
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$50,423
−HK$1,546/mo
Today · 4.125%
HK$51,969
baseline
▲ 0.50% · 4.625%
HK$55,131
+HK$3,162/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$103,938/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$894,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,403
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$55,862
−HK$1,480/mo
Today · 4.125%
HK$57,342
baseline
▲ 0.50% · 4.625%
HK$60,365
+HK$3,023/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$114,684/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$894,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,683
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$60,508
−HK$1,855/mo
Today · 4.125%
HK$62,363
baseline
▲ 0.50% · 4.625%
HK$66,157
+HK$3,794/mo
Deposit HK$8.58M · loan HK$12.87M · min. income ≈ HK$124,726/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$894,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,284
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$67,035
−HK$1,776/mo
Today · 4.125%
HK$68,811
baseline
▲ 0.50% · 4.625%
HK$72,438
+HK$3,627/mo
Deposit HK$8.58M · loan HK$12.87M · min. income ≈ HK$137,622/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$894,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,463
−HK$4,293/mo
▼ 0.25% · 3.875%
HK$70,593
−HK$2,163/mo
Today · 4.125%
HK$72,756
baseline
▲ 0.50% · 4.625%
HK$77,183
+HK$4,427/mo
Deposit HK$6.43M · loan HK$15.01M · min. income ≈ HK$145,512/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$894,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,164
−HK$4,115/mo
▼ 0.25% · 3.875%
HK$78,207
−HK$2,072/mo
Today · 4.125%
HK$80,279
baseline
▲ 0.50% · 4.625%
HK$84,511
+HK$4,232/mo
Deposit HK$6.43M · loan HK$15.01M · min. income ≈ HK$160,558/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$894,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,024
−HK$5,520/mo
▼ 0.25% · 3.875%
HK$90,762
−HK$2,782/mo
Today · 4.125%
HK$93,544
baseline
▲ 0.50% · 4.625%
HK$99,236
+HK$5,692/mo
Deposit HK$2.14M · loan HK$19.30M · min. income ≈ HK$187,088/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$894,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,926
−HK$5,290/mo
▼ 0.25% · 3.875%
HK$100,552
−HK$2,664/mo
Today · 4.125%
HK$103,216
baseline
▲ 0.50% · 4.625%
HK$108,657
+HK$5,441/mo
Deposit HK$2.14M · loan HK$19.30M · min. income ≈ HK$206,432/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$894,592 · Scale 2, in force from 26 Feb 2026)