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$48,867
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$50,387
−HK$1,544/mo
Today · 4.125%
HK$51,931
baseline
▲ 0.50% · 4.625%
HK$55,091
+HK$3,160/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$103,862/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$893,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,364
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$55,822
−HK$1,479/mo
Today · 4.125%
HK$57,301
baseline
▲ 0.50% · 4.625%
HK$60,321
+HK$3,020/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$114,602/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$893,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,640
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$60,464
−HK$1,853/mo
Today · 4.125%
HK$62,317
baseline
▲ 0.50% · 4.625%
HK$66,109
+HK$3,792/mo
Deposit HK$8.57M · loan HK$12.86M · min. income ≈ HK$124,634/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$893,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,236
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$66,986
−HK$1,775/mo
Today · 4.125%
HK$68,761
baseline
▲ 0.50% · 4.625%
HK$72,385
+HK$3,624/mo
Deposit HK$8.57M · loan HK$12.86M · min. income ≈ HK$137,522/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$893,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,413
−HK$4,291/mo
▼ 0.25% · 3.875%
HK$70,541
−HK$2,163/mo
Today · 4.125%
HK$72,704
baseline
▲ 0.50% · 4.625%
HK$77,127
+HK$4,423/mo
Deposit HK$6.43M · loan HK$15.00M · min. income ≈ HK$145,408/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$893,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,109
−HK$4,112/mo
▼ 0.25% · 3.875%
HK$78,150
−HK$2,071/mo
Today · 4.125%
HK$80,221
baseline
▲ 0.50% · 4.625%
HK$84,450
+HK$4,229/mo
Deposit HK$6.43M · loan HK$15.00M · min. income ≈ HK$160,442/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$893,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,960
−HK$5,516/mo
▼ 0.25% · 3.875%
HK$90,696
−HK$2,780/mo
Today · 4.125%
HK$93,476
baseline
▲ 0.50% · 4.625%
HK$99,164
+HK$5,688/mo
Deposit HK$2.14M · loan HK$19.29M · min. income ≈ HK$186,952/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$893,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,855
−HK$5,287/mo
▼ 0.25% · 3.875%
HK$100,479
−HK$2,663/mo
Today · 4.125%
HK$103,142
baseline
▲ 0.50% · 4.625%
HK$108,578
+HK$5,436/mo
Deposit HK$2.14M · loan HK$19.29M · min. income ≈ HK$206,284/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$893,036 · Scale 2, in force from 26 Feb 2026)