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$48,913
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$50,434
−HK$1,546/mo
Today · 4.125%
HK$51,980
baseline
▲ 0.50% · 4.625%
HK$55,143
+HK$3,163/mo
Deposit HK$10.73M · loan HK$10.73M · min. income ≈ HK$103,960/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$895,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,415
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$55,875
−HK$1,480/mo
Today · 4.125%
HK$57,355
baseline
▲ 0.50% · 4.625%
HK$60,378
+HK$3,023/mo
Deposit HK$10.73M · loan HK$10.73M · min. income ≈ HK$114,710/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$895,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,696
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$60,521
−HK$1,855/mo
Today · 4.125%
HK$62,376
baseline
▲ 0.50% · 4.625%
HK$66,172
+HK$3,796/mo
Deposit HK$8.58M · loan HK$12.87M · min. income ≈ HK$124,752/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$895,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,298
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$67,049
−HK$1,777/mo
Today · 4.125%
HK$68,826
baseline
▲ 0.50% · 4.625%
HK$72,454
+HK$3,628/mo
Deposit HK$8.58M · loan HK$12.87M · min. income ≈ HK$137,652/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$895,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,478
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$70,608
−HK$2,164/mo
Today · 4.125%
HK$72,772
baseline
▲ 0.50% · 4.625%
HK$77,200
+HK$4,428/mo
Deposit HK$6.44M · loan HK$15.02M · min. income ≈ HK$145,544/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$895,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,181
−HK$4,116/mo
▼ 0.25% · 3.875%
HK$78,224
−HK$2,073/mo
Today · 4.125%
HK$80,297
baseline
▲ 0.50% · 4.625%
HK$84,530
+HK$4,233/mo
Deposit HK$6.44M · loan HK$15.02M · min. income ≈ HK$160,594/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$895,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,043
−HK$5,521/mo
▼ 0.25% · 3.875%
HK$90,782
−HK$2,782/mo
Today · 4.125%
HK$93,564
baseline
▲ 0.50% · 4.625%
HK$99,258
+HK$5,694/mo
Deposit HK$2.15M · loan HK$19.31M · min. income ≈ HK$187,128/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$895,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,947
−HK$5,292/mo
▼ 0.25% · 3.875%
HK$100,574
−HK$2,665/mo
Today · 4.125%
HK$103,239
baseline
▲ 0.50% · 4.625%
HK$108,681
+HK$5,442/mo
Deposit HK$2.15M · loan HK$19.31M · min. income ≈ HK$206,478/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$895,063 · Scale 2, in force from 26 Feb 2026)