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$48,880
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$50,400
−HK$1,545/mo
Today · 4.125%
HK$51,945
baseline
▲ 0.50% · 4.625%
HK$55,106
+HK$3,161/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$103,890/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$893,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,379
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$55,837
−HK$1,479/mo
Today · 4.125%
HK$57,316
baseline
▲ 0.50% · 4.625%
HK$60,338
+HK$3,022/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$114,632/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$893,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,656
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$60,481
−HK$1,853/mo
Today · 4.125%
HK$62,334
baseline
▲ 0.50% · 4.625%
HK$66,127
+HK$3,793/mo
Deposit HK$8.57M · loan HK$12.86M · min. income ≈ HK$124,668/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$893,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,254
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$67,004
−HK$1,776/mo
Today · 4.125%
HK$68,780
baseline
▲ 0.50% · 4.625%
HK$72,405
+HK$3,625/mo
Deposit HK$8.57M · loan HK$12.86M · min. income ≈ HK$137,560/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$893,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,432
−HK$4,291/mo
▼ 0.25% · 3.875%
HK$70,561
−HK$2,162/mo
Today · 4.125%
HK$72,723
baseline
▲ 0.50% · 4.625%
HK$77,148
+HK$4,425/mo
Deposit HK$6.43M · loan HK$15.01M · min. income ≈ HK$145,446/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$893,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,130
−HK$4,113/mo
▼ 0.25% · 3.875%
HK$78,172
−HK$2,071/mo
Today · 4.125%
HK$80,243
baseline
▲ 0.50% · 4.625%
HK$84,473
+HK$4,230/mo
Deposit HK$6.43M · loan HK$15.01M · min. income ≈ HK$160,486/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$893,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,984
−HK$5,517/mo
▼ 0.25% · 3.875%
HK$90,721
−HK$2,780/mo
Today · 4.125%
HK$93,501
baseline
▲ 0.50% · 4.625%
HK$99,191
+HK$5,690/mo
Deposit HK$2.14M · loan HK$19.29M · min. income ≈ HK$187,002/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$893,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,881
−HK$5,289/mo
▼ 0.25% · 3.875%
HK$100,506
−HK$2,664/mo
Today · 4.125%
HK$103,170
baseline
▲ 0.50% · 4.625%
HK$108,608
+HK$5,438/mo
Deposit HK$2.14M · loan HK$19.29M · min. income ≈ HK$206,340/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$893,619 · Scale 2, in force from 26 Feb 2026)