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$48,896
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$50,417
−HK$1,545/mo
Today · 4.125%
HK$51,962
baseline
▲ 0.50% · 4.625%
HK$55,124
+HK$3,162/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$103,924/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$894,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,396
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$55,855
−HK$1,480/mo
Today · 4.125%
HK$57,335
baseline
▲ 0.50% · 4.625%
HK$60,357
+HK$3,022/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$114,670/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$894,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,675
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$60,500
−HK$1,855/mo
Today · 4.125%
HK$62,355
baseline
▲ 0.50% · 4.625%
HK$66,149
+HK$3,794/mo
Deposit HK$8.58M · loan HK$12.87M · min. income ≈ HK$124,710/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$894,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,275
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$67,026
−HK$1,776/mo
Today · 4.125%
HK$68,802
baseline
▲ 0.50% · 4.625%
HK$72,429
+HK$3,627/mo
Deposit HK$8.58M · loan HK$12.87M · min. income ≈ HK$137,604/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$894,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,454
−HK$4,293/mo
▼ 0.25% · 3.875%
HK$70,584
−HK$2,163/mo
Today · 4.125%
HK$72,747
baseline
▲ 0.50% · 4.625%
HK$77,173
+HK$4,426/mo
Deposit HK$6.43M · loan HK$15.01M · min. income ≈ HK$145,494/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$894,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,155
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$78,197
−HK$2,072/mo
Today · 4.125%
HK$80,269
baseline
▲ 0.50% · 4.625%
HK$84,500
+HK$4,231/mo
Deposit HK$6.43M · loan HK$15.01M · min. income ≈ HK$160,538/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$894,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,013
−HK$5,519/mo
▼ 0.25% · 3.875%
HK$90,750
−HK$2,782/mo
Today · 4.125%
HK$93,532
baseline
▲ 0.50% · 4.625%
HK$99,223
+HK$5,691/mo
Deposit HK$2.14M · loan HK$19.30M · min. income ≈ HK$187,064/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$894,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,913
−HK$5,290/mo
▼ 0.25% · 3.875%
HK$100,539
−HK$2,664/mo
Today · 4.125%
HK$103,203
baseline
▲ 0.50% · 4.625%
HK$108,643
+HK$5,440/mo
Deposit HK$2.14M · loan HK$19.30M · min. income ≈ HK$206,406/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$894,317 · Scale 2, in force from 26 Feb 2026)