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$48,900
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$50,421
−HK$1,546/mo
Today · 4.125%
HK$51,967
baseline
▲ 0.50% · 4.625%
HK$55,129
+HK$3,162/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$103,934/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$894,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,401
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$55,860
−HK$1,480/mo
Today · 4.125%
HK$57,340
baseline
▲ 0.50% · 4.625%
HK$60,363
+HK$3,023/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$114,680/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$894,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,680
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$60,506
−HK$1,854/mo
Today · 4.125%
HK$62,360
baseline
▲ 0.50% · 4.625%
HK$66,155
+HK$3,795/mo
Deposit HK$8.58M · loan HK$12.87M · min. income ≈ HK$124,720/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$894,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,281
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$67,032
−HK$1,776/mo
Today · 4.125%
HK$68,808
baseline
▲ 0.50% · 4.625%
HK$72,435
+HK$3,627/mo
Deposit HK$8.58M · loan HK$12.87M · min. income ≈ HK$137,616/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$894,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,461
−HK$4,293/mo
▼ 0.25% · 3.875%
HK$70,590
−HK$2,164/mo
Today · 4.125%
HK$72,754
baseline
▲ 0.50% · 4.625%
HK$77,181
+HK$4,427/mo
Deposit HK$6.43M · loan HK$15.01M · min. income ≈ HK$145,508/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$894,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,162
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$78,204
−HK$2,072/mo
Today · 4.125%
HK$80,276
baseline
▲ 0.50% · 4.625%
HK$84,508
+HK$4,232/mo
Deposit HK$6.43M · loan HK$15.01M · min. income ≈ HK$160,552/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$894,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,021
−HK$5,519/mo
▼ 0.25% · 3.875%
HK$90,759
−HK$2,781/mo
Today · 4.125%
HK$93,540
baseline
▲ 0.50% · 4.625%
HK$99,232
+HK$5,692/mo
Deposit HK$2.14M · loan HK$19.30M · min. income ≈ HK$187,080/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$894,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,922
−HK$5,291/mo
▼ 0.25% · 3.875%
HK$100,548
−HK$2,665/mo
Today · 4.125%
HK$103,213
baseline
▲ 0.50% · 4.625%
HK$108,653
+HK$5,440/mo
Deposit HK$2.14M · loan HK$19.30M · min. income ≈ HK$206,426/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$894,514 · Scale 2, in force from 26 Feb 2026)