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$48,833
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$50,352
−HK$1,543/mo
Today · 4.125%
HK$51,895
baseline
▲ 0.50% · 4.625%
HK$55,053
+HK$3,158/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$103,790/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$891,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,326
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$55,783
−HK$1,478/mo
Today · 4.125%
HK$57,261
baseline
▲ 0.50% · 4.625%
HK$60,279
+HK$3,018/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$114,522/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$891,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,599
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$60,422
−HK$1,852/mo
Today · 4.125%
HK$62,274
baseline
▲ 0.50% · 4.625%
HK$66,063
+HK$3,789/mo
Deposit HK$8.57M · loan HK$12.85M · min. income ≈ HK$124,548/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$891,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,191
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$66,940
−HK$1,773/mo
Today · 4.125%
HK$68,713
baseline
▲ 0.50% · 4.625%
HK$72,335
+HK$3,622/mo
Deposit HK$8.57M · loan HK$12.85M · min. income ≈ HK$137,426/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$891,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,366
−HK$4,287/mo
▼ 0.25% · 3.875%
HK$70,492
−HK$2,161/mo
Today · 4.125%
HK$72,653
baseline
▲ 0.50% · 4.625%
HK$77,074
+HK$4,421/mo
Deposit HK$6.42M · loan HK$14.99M · min. income ≈ HK$145,306/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$891,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,056
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$78,096
−HK$2,069/mo
Today · 4.125%
HK$80,165
baseline
▲ 0.50% · 4.625%
HK$84,391
+HK$4,226/mo
Deposit HK$6.42M · loan HK$14.99M · min. income ≈ HK$160,330/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$891,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,899
−HK$5,512/mo
▼ 0.25% · 3.875%
HK$90,633
−HK$2,778/mo
Today · 4.125%
HK$93,411
baseline
▲ 0.50% · 4.625%
HK$99,095
+HK$5,684/mo
Deposit HK$2.14M · loan HK$19.27M · min. income ≈ HK$186,822/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$891,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,787
−HK$5,283/mo
▼ 0.25% · 3.875%
HK$100,409
−HK$2,661/mo
Today · 4.125%
HK$103,070
baseline
▲ 0.50% · 4.625%
HK$108,503
+HK$5,433/mo
Deposit HK$2.14M · loan HK$19.27M · min. income ≈ HK$206,140/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$891,549 · Scale 2, in force from 26 Feb 2026)