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$48,894
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$50,415
−HK$1,545/mo
Today · 4.125%
HK$51,960
baseline
▲ 0.50% · 4.625%
HK$55,122
+HK$3,162/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$103,920/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$894,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,394
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$55,853
−HK$1,480/mo
Today · 4.125%
HK$57,333
baseline
▲ 0.50% · 4.625%
HK$60,355
+HK$3,022/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$114,666/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$894,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,673
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$60,498
−HK$1,854/mo
Today · 4.125%
HK$62,352
baseline
▲ 0.50% · 4.625%
HK$66,146
+HK$3,794/mo
Deposit HK$8.58M · loan HK$12.87M · min. income ≈ HK$124,704/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$894,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,273
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$67,023
−HK$1,776/mo
Today · 4.125%
HK$68,799
baseline
▲ 0.50% · 4.625%
HK$72,426
+HK$3,627/mo
Deposit HK$8.58M · loan HK$12.87M · min. income ≈ HK$137,598/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$894,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,451
−HK$4,293/mo
▼ 0.25% · 3.875%
HK$70,581
−HK$2,163/mo
Today · 4.125%
HK$72,744
baseline
▲ 0.50% · 4.625%
HK$77,170
+HK$4,426/mo
Deposit HK$6.43M · loan HK$15.01M · min. income ≈ HK$145,488/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$894,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,152
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$78,194
−HK$2,072/mo
Today · 4.125%
HK$80,266
baseline
▲ 0.50% · 4.625%
HK$84,497
+HK$4,231/mo
Deposit HK$6.43M · loan HK$15.01M · min. income ≈ HK$160,532/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$894,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,009
−HK$5,519/mo
▼ 0.25% · 3.875%
HK$90,747
−HK$2,781/mo
Today · 4.125%
HK$93,528
baseline
▲ 0.50% · 4.625%
HK$99,219
+HK$5,691/mo
Deposit HK$2.14M · loan HK$19.30M · min. income ≈ HK$187,056/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$894,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,909
−HK$5,290/mo
▼ 0.25% · 3.875%
HK$100,535
−HK$2,664/mo
Today · 4.125%
HK$103,199
baseline
▲ 0.50% · 4.625%
HK$108,639
+HK$5,440/mo
Deposit HK$2.14M · loan HK$19.30M · min. income ≈ HK$206,398/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$894,227 · Scale 2, in force from 26 Feb 2026)