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$48,847
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$50,366
−HK$1,544/mo
Today · 4.125%
HK$51,910
baseline
▲ 0.50% · 4.625%
HK$55,069
+HK$3,159/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$103,820/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$892,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,342
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$55,799
−HK$1,479/mo
Today · 4.125%
HK$57,278
baseline
▲ 0.50% · 4.625%
HK$60,297
+HK$3,019/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$114,556/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$892,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,616
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$60,440
−HK$1,852/mo
Today · 4.125%
HK$62,292
baseline
▲ 0.50% · 4.625%
HK$66,082
+HK$3,790/mo
Deposit HK$8.57M · loan HK$12.85M · min. income ≈ HK$124,584/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$892,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,210
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$66,959
−HK$1,774/mo
Today · 4.125%
HK$68,733
baseline
▲ 0.50% · 4.625%
HK$72,356
+HK$3,623/mo
Deposit HK$8.57M · loan HK$12.85M · min. income ≈ HK$137,466/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$892,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,386
−HK$4,288/mo
▼ 0.25% · 3.875%
HK$70,513
−HK$2,161/mo
Today · 4.125%
HK$72,674
baseline
▲ 0.50% · 4.625%
HK$77,096
+HK$4,422/mo
Deposit HK$6.43M · loan HK$15.00M · min. income ≈ HK$145,348/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$892,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,078
−HK$4,111/mo
▼ 0.25% · 3.875%
HK$78,119
−HK$2,070/mo
Today · 4.125%
HK$80,189
baseline
▲ 0.50% · 4.625%
HK$84,416
+HK$4,227/mo
Deposit HK$6.43M · loan HK$15.00M · min. income ≈ HK$160,378/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$892,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,925
−HK$5,513/mo
▼ 0.25% · 3.875%
HK$90,659
−HK$2,779/mo
Today · 4.125%
HK$93,438
baseline
▲ 0.50% · 4.625%
HK$99,124
+HK$5,686/mo
Deposit HK$2.14M · loan HK$19.28M · min. income ≈ HK$186,876/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$892,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,815
−HK$5,285/mo
▼ 0.25% · 3.875%
HK$100,438
−HK$2,662/mo
Today · 4.125%
HK$103,100
baseline
▲ 0.50% · 4.625%
HK$108,534
+HK$5,434/mo
Deposit HK$2.14M · loan HK$19.28M · min. income ≈ HK$206,200/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$892,169 · Scale 2, in force from 26 Feb 2026)