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$48,854
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$50,373
−HK$1,544/mo
Today · 4.125%
HK$51,917
baseline
▲ 0.50% · 4.625%
HK$55,076
+HK$3,159/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$103,834/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$892,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,349
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$55,807
−HK$1,478/mo
Today · 4.125%
HK$57,285
baseline
▲ 0.50% · 4.625%
HK$60,305
+HK$3,020/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$114,570/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$892,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,624
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$60,448
−HK$1,853/mo
Today · 4.125%
HK$62,301
baseline
▲ 0.50% · 4.625%
HK$66,091
+HK$3,790/mo
Deposit HK$8.57M · loan HK$12.85M · min. income ≈ HK$124,602/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$892,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,219
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$66,968
−HK$1,775/mo
Today · 4.125%
HK$68,743
baseline
▲ 0.50% · 4.625%
HK$72,366
+HK$3,623/mo
Deposit HK$8.57M · loan HK$12.85M · min. income ≈ HK$137,486/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$892,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,395
−HK$4,289/mo
▼ 0.25% · 3.875%
HK$70,523
−HK$2,161/mo
Today · 4.125%
HK$72,684
baseline
▲ 0.50% · 4.625%
HK$77,107
+HK$4,423/mo
Deposit HK$6.43M · loan HK$15.00M · min. income ≈ HK$145,368/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$892,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,089
−HK$4,111/mo
▼ 0.25% · 3.875%
HK$78,129
−HK$2,071/mo
Today · 4.125%
HK$80,200
baseline
▲ 0.50% · 4.625%
HK$84,427
+HK$4,227/mo
Deposit HK$6.43M · loan HK$15.00M · min. income ≈ HK$160,400/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$892,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,936
−HK$5,515/mo
▼ 0.25% · 3.875%
HK$90,672
−HK$2,779/mo
Today · 4.125%
HK$93,451
baseline
▲ 0.50% · 4.625%
HK$99,137
+HK$5,686/mo
Deposit HK$2.14M · loan HK$19.28M · min. income ≈ HK$186,902/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$892,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,828
−HK$5,286/mo
▼ 0.25% · 3.875%
HK$100,452
−HK$2,662/mo
Today · 4.125%
HK$103,114
baseline
▲ 0.50% · 4.625%
HK$108,549
+HK$5,435/mo
Deposit HK$2.14M · loan HK$19.28M · min. income ≈ HK$206,228/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$892,461 · Scale 2, in force from 26 Feb 2026)