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$48,885
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$50,405
−HK$1,545/mo
Today · 4.125%
HK$51,950
baseline
▲ 0.50% · 4.625%
HK$55,111
+HK$3,161/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$103,900/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$893,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,384
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$55,842
−HK$1,480/mo
Today · 4.125%
HK$57,322
baseline
▲ 0.50% · 4.625%
HK$60,344
+HK$3,022/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$114,644/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$893,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,662
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$60,487
−HK$1,853/mo
Today · 4.125%
HK$62,340
baseline
▲ 0.50% · 4.625%
HK$66,134
+HK$3,794/mo
Deposit HK$8.58M · loan HK$12.86M · min. income ≈ HK$124,680/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$893,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,261
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$67,011
−HK$1,776/mo
Today · 4.125%
HK$68,787
baseline
▲ 0.50% · 4.625%
HK$72,412
+HK$3,625/mo
Deposit HK$8.58M · loan HK$12.86M · min. income ≈ HK$137,574/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$893,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,439
−HK$4,291/mo
▼ 0.25% · 3.875%
HK$70,568
−HK$2,162/mo
Today · 4.125%
HK$72,730
baseline
▲ 0.50% · 4.625%
HK$77,156
+HK$4,426/mo
Deposit HK$6.43M · loan HK$15.01M · min. income ≈ HK$145,460/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$893,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,137
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$78,179
−HK$2,072/mo
Today · 4.125%
HK$80,251
baseline
▲ 0.50% · 4.625%
HK$84,481
+HK$4,230/mo
Deposit HK$6.43M · loan HK$15.01M · min. income ≈ HK$160,502/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$893,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,993
−HK$5,518/mo
▼ 0.25% · 3.875%
HK$90,730
−HK$2,781/mo
Today · 4.125%
HK$93,511
baseline
▲ 0.50% · 4.625%
HK$99,201
+HK$5,690/mo
Deposit HK$2.14M · loan HK$19.29M · min. income ≈ HK$187,022/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$893,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,891
−HK$5,289/mo
▼ 0.25% · 3.875%
HK$100,516
−HK$2,664/mo
Today · 4.125%
HK$103,180
baseline
▲ 0.50% · 4.625%
HK$108,619
+HK$5,439/mo
Deposit HK$2.14M · loan HK$19.29M · min. income ≈ HK$206,360/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$893,831 · Scale 2, in force from 26 Feb 2026)