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$48,856
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$50,376
−HK$1,544/mo
Today · 4.125%
HK$51,920
baseline
▲ 0.50% · 4.625%
HK$55,079
+HK$3,159/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$103,840/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$892,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,352
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$55,810
−HK$1,478/mo
Today · 4.125%
HK$57,288
baseline
▲ 0.50% · 4.625%
HK$60,308
+HK$3,020/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$114,576/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$892,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,627
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$60,451
−HK$1,853/mo
Today · 4.125%
HK$62,304
baseline
▲ 0.50% · 4.625%
HK$66,095
+HK$3,791/mo
Deposit HK$8.57M · loan HK$12.86M · min. income ≈ HK$124,608/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$892,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,222
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$66,971
−HK$1,775/mo
Today · 4.125%
HK$68,746
baseline
▲ 0.50% · 4.625%
HK$72,370
+HK$3,624/mo
Deposit HK$8.57M · loan HK$12.86M · min. income ≈ HK$137,492/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$892,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,398
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$70,526
−HK$2,162/mo
Today · 4.125%
HK$72,688
baseline
▲ 0.50% · 4.625%
HK$77,111
+HK$4,423/mo
Deposit HK$6.43M · loan HK$15.00M · min. income ≈ HK$145,376/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$892,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,093
−HK$4,111/mo
▼ 0.25% · 3.875%
HK$78,133
−HK$2,071/mo
Today · 4.125%
HK$80,204
baseline
▲ 0.50% · 4.625%
HK$84,431
+HK$4,227/mo
Deposit HK$6.43M · loan HK$15.00M · min. income ≈ HK$160,408/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$892,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,941
−HK$5,515/mo
▼ 0.25% · 3.875%
HK$90,676
−HK$2,780/mo
Today · 4.125%
HK$93,456
baseline
▲ 0.50% · 4.625%
HK$99,142
+HK$5,686/mo
Deposit HK$2.14M · loan HK$19.28M · min. income ≈ HK$186,912/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$892,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,833
−HK$5,286/mo
▼ 0.25% · 3.875%
HK$100,457
−HK$2,662/mo
Today · 4.125%
HK$103,119
baseline
▲ 0.50% · 4.625%
HK$108,555
+HK$5,436/mo
Deposit HK$2.14M · loan HK$19.28M · min. income ≈ HK$206,238/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$892,568 · Scale 2, in force from 26 Feb 2026)