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$48,898
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$50,420
−HK$1,545/mo
Today · 4.125%
HK$51,965
baseline
▲ 0.50% · 4.625%
HK$55,127
+HK$3,162/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$103,930/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$894,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,399
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$55,858
−HK$1,480/mo
Today · 4.125%
HK$57,338
baseline
▲ 0.50% · 4.625%
HK$60,360
+HK$3,022/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$114,676/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$894,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,678
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$60,503
−HK$1,855/mo
Today · 4.125%
HK$62,358
baseline
▲ 0.50% · 4.625%
HK$66,152
+HK$3,794/mo
Deposit HK$8.58M · loan HK$12.87M · min. income ≈ HK$124,716/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$894,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,279
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$67,030
−HK$1,776/mo
Today · 4.125%
HK$68,806
baseline
▲ 0.50% · 4.625%
HK$72,433
+HK$3,627/mo
Deposit HK$8.58M · loan HK$12.87M · min. income ≈ HK$137,612/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$894,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,458
−HK$4,293/mo
▼ 0.25% · 3.875%
HK$70,587
−HK$2,164/mo
Today · 4.125%
HK$72,751
baseline
▲ 0.50% · 4.625%
HK$77,177
+HK$4,426/mo
Deposit HK$6.43M · loan HK$15.01M · min. income ≈ HK$145,502/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$894,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,159
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$78,201
−HK$2,072/mo
Today · 4.125%
HK$80,273
baseline
▲ 0.50% · 4.625%
HK$84,505
+HK$4,232/mo
Deposit HK$6.43M · loan HK$15.01M · min. income ≈ HK$160,546/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$894,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,017
−HK$5,520/mo
▼ 0.25% · 3.875%
HK$90,755
−HK$2,782/mo
Today · 4.125%
HK$93,537
baseline
▲ 0.50% · 4.625%
HK$99,228
+HK$5,691/mo
Deposit HK$2.14M · loan HK$19.30M · min. income ≈ HK$187,074/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$894,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,918
−HK$5,291/mo
▼ 0.25% · 3.875%
HK$100,544
−HK$2,665/mo
Today · 4.125%
HK$103,209
baseline
▲ 0.50% · 4.625%
HK$108,649
+HK$5,440/mo
Deposit HK$2.14M · loan HK$19.30M · min. income ≈ HK$206,418/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$894,429 · Scale 2, in force from 26 Feb 2026)