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$48,907
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$50,428
−HK$1,545/mo
Today · 4.125%
HK$51,973
baseline
▲ 0.50% · 4.625%
HK$55,136
+HK$3,163/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$103,946/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$894,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,408
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$55,867
−HK$1,481/mo
Today · 4.125%
HK$57,348
baseline
▲ 0.50% · 4.625%
HK$60,370
+HK$3,022/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$114,696/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$894,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,688
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$60,513
−HK$1,855/mo
Today · 4.125%
HK$62,368
baseline
▲ 0.50% · 4.625%
HK$66,163
+HK$3,795/mo
Deposit HK$8.58M · loan HK$12.87M · min. income ≈ HK$124,736/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$894,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,290
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$67,041
−HK$1,776/mo
Today · 4.125%
HK$68,817
baseline
▲ 0.50% · 4.625%
HK$72,444
+HK$3,627/mo
Deposit HK$8.58M · loan HK$12.87M · min. income ≈ HK$137,634/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$894,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,469
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$70,599
−HK$2,164/mo
Today · 4.125%
HK$72,763
baseline
▲ 0.50% · 4.625%
HK$77,190
+HK$4,427/mo
Deposit HK$6.43M · loan HK$15.01M · min. income ≈ HK$145,526/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$894,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,171
−HK$4,116/mo
▼ 0.25% · 3.875%
HK$78,214
−HK$2,073/mo
Today · 4.125%
HK$80,287
baseline
▲ 0.50% · 4.625%
HK$84,519
+HK$4,232/mo
Deposit HK$6.43M · loan HK$15.01M · min. income ≈ HK$160,574/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$894,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,032
−HK$5,520/mo
▼ 0.25% · 3.875%
HK$90,770
−HK$2,782/mo
Today · 4.125%
HK$93,552
baseline
▲ 0.50% · 4.625%
HK$99,245
+HK$5,693/mo
Deposit HK$2.14M · loan HK$19.30M · min. income ≈ HK$187,104/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$894,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,934
−HK$5,292/mo
▼ 0.25% · 3.875%
HK$100,561
−HK$2,665/mo
Today · 4.125%
HK$103,226
baseline
▲ 0.50% · 4.625%
HK$108,667
+HK$5,441/mo
Deposit HK$2.14M · loan HK$19.30M · min. income ≈ HK$206,452/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$894,782 · Scale 2, in force from 26 Feb 2026)