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$48,940
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$50,463
−HK$1,546/mo
Today · 4.125%
HK$52,009
baseline
▲ 0.50% · 4.625%
HK$55,174
+HK$3,165/mo
Deposit HK$10.73M · loan HK$10.73M · min. income ≈ HK$104,018/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$896,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,446
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$55,906
−HK$1,481/mo
Today · 4.125%
HK$57,387
baseline
▲ 0.50% · 4.625%
HK$60,412
+HK$3,025/mo
Deposit HK$10.73M · loan HK$10.73M · min. income ≈ HK$114,774/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$896,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,729
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$60,555
−HK$1,856/mo
Today · 4.125%
HK$62,411
baseline
▲ 0.50% · 4.625%
HK$66,209
+HK$3,798/mo
Deposit HK$8.59M · loan HK$12.88M · min. income ≈ HK$124,822/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$896,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,335
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$67,087
−HK$1,778/mo
Today · 4.125%
HK$68,865
baseline
▲ 0.50% · 4.625%
HK$72,495
+HK$3,630/mo
Deposit HK$8.59M · loan HK$12.88M · min. income ≈ HK$137,730/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$896,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,517
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$70,648
−HK$2,165/mo
Today · 4.125%
HK$72,813
baseline
▲ 0.50% · 4.625%
HK$77,244
+HK$4,431/mo
Deposit HK$6.44M · loan HK$15.02M · min. income ≈ HK$145,626/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$896,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,224
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$78,268
−HK$2,074/mo
Today · 4.125%
HK$80,342
baseline
▲ 0.50% · 4.625%
HK$84,577
+HK$4,235/mo
Deposit HK$6.44M · loan HK$15.02M · min. income ≈ HK$160,684/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$896,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,093
−HK$5,524/mo
▼ 0.25% · 3.875%
HK$90,833
−HK$2,784/mo
Today · 4.125%
HK$93,617
baseline
▲ 0.50% · 4.625%
HK$99,313
+HK$5,696/mo
Deposit HK$2.15M · loan HK$19.32M · min. income ≈ HK$187,234/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$896,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,002
−HK$5,295/mo
▼ 0.25% · 3.875%
HK$100,631
−HK$2,666/mo
Today · 4.125%
HK$103,297
baseline
▲ 0.50% · 4.625%
HK$108,742
+HK$5,445/mo
Deposit HK$2.15M · loan HK$19.32M · min. income ≈ HK$206,594/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$896,271 · Scale 2, in force from 26 Feb 2026)