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$48,935
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$50,458
−HK$1,546/mo
Today · 4.125%
HK$52,004
baseline
▲ 0.50% · 4.625%
HK$55,168
+HK$3,164/mo
Deposit HK$10.73M · loan HK$10.73M · min. income ≈ HK$104,008/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$896,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,440
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$55,900
−HK$1,481/mo
Today · 4.125%
HK$57,381
baseline
▲ 0.50% · 4.625%
HK$60,406
+HK$3,025/mo
Deposit HK$10.73M · loan HK$10.73M · min. income ≈ HK$114,762/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$896,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,722
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$60,549
−HK$1,856/mo
Today · 4.125%
HK$62,405
baseline
▲ 0.50% · 4.625%
HK$66,202
+HK$3,797/mo
Deposit HK$8.58M · loan HK$12.88M · min. income ≈ HK$124,810/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$896,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,328
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$67,080
−HK$1,778/mo
Today · 4.125%
HK$68,858
baseline
▲ 0.50% · 4.625%
HK$72,487
+HK$3,629/mo
Deposit HK$8.58M · loan HK$12.88M · min. income ≈ HK$137,716/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$896,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,510
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$70,641
−HK$2,165/mo
Today · 4.125%
HK$72,806
baseline
▲ 0.50% · 4.625%
HK$77,236
+HK$4,430/mo
Deposit HK$6.44M · loan HK$15.02M · min. income ≈ HK$145,612/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$896,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,216
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$78,260
−HK$2,074/mo
Today · 4.125%
HK$80,334
baseline
▲ 0.50% · 4.625%
HK$84,568
+HK$4,234/mo
Deposit HK$6.44M · loan HK$15.02M · min. income ≈ HK$160,668/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$896,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,084
−HK$5,523/mo
▼ 0.25% · 3.875%
HK$90,824
−HK$2,783/mo
Today · 4.125%
HK$93,607
baseline
▲ 0.50% · 4.625%
HK$99,303
+HK$5,696/mo
Deposit HK$2.15M · loan HK$19.31M · min. income ≈ HK$187,214/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$896,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,992
−HK$5,294/mo
▼ 0.25% · 3.875%
HK$100,620
−HK$2,666/mo
Today · 4.125%
HK$103,286
baseline
▲ 0.50% · 4.625%
HK$108,731
+HK$5,445/mo
Deposit HK$2.15M · loan HK$19.31M · min. income ≈ HK$206,572/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$896,047 · Scale 2, in force from 26 Feb 2026)