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$48,950
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$50,473
−HK$1,547/mo
Today · 4.125%
HK$52,020
baseline
▲ 0.50% · 4.625%
HK$55,185
+HK$3,165/mo
Deposit HK$10.73M · loan HK$10.73M · min. income ≈ HK$104,040/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$896,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,456
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$55,917
−HK$1,482/mo
Today · 4.125%
HK$57,399
baseline
▲ 0.50% · 4.625%
HK$60,424
+HK$3,025/mo
Deposit HK$10.73M · loan HK$10.73M · min. income ≈ HK$114,798/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$896,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,740
−HK$3,684/mo
▼ 0.25% · 3.875%
HK$60,567
−HK$1,857/mo
Today · 4.125%
HK$62,424
baseline
▲ 0.50% · 4.625%
HK$66,222
+HK$3,798/mo
Deposit HK$8.59M · loan HK$12.88M · min. income ≈ HK$124,848/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$896,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,348
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$67,100
−HK$1,778/mo
Today · 4.125%
HK$68,878
baseline
▲ 0.50% · 4.625%
HK$72,509
+HK$3,631/mo
Deposit HK$8.59M · loan HK$12.88M · min. income ≈ HK$137,756/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$896,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,530
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$70,662
−HK$2,166/mo
Today · 4.125%
HK$72,828
baseline
▲ 0.50% · 4.625%
HK$77,259
+HK$4,431/mo
Deposit HK$6.44M · loan HK$15.03M · min. income ≈ HK$145,656/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$896,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,239
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$78,284
−HK$2,074/mo
Today · 4.125%
HK$80,358
baseline
▲ 0.50% · 4.625%
HK$84,594
+HK$4,236/mo
Deposit HK$6.44M · loan HK$15.03M · min. income ≈ HK$160,716/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$896,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,110
−HK$5,525/mo
▼ 0.25% · 3.875%
HK$90,851
−HK$2,784/mo
Today · 4.125%
HK$93,635
baseline
▲ 0.50% · 4.625%
HK$99,333
+HK$5,698/mo
Deposit HK$2.15M · loan HK$19.32M · min. income ≈ HK$187,270/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$896,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,022
−HK$5,295/mo
▼ 0.25% · 3.875%
HK$100,651
−HK$2,666/mo
Today · 4.125%
HK$103,317
baseline
▲ 0.50% · 4.625%
HK$108,763
+HK$5,446/mo
Deposit HK$2.15M · loan HK$19.32M · min. income ≈ HK$206,634/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$896,692 · Scale 2, in force from 26 Feb 2026)