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$48,915
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$50,437
−HK$1,546/mo
Today · 4.125%
HK$51,983
baseline
▲ 0.50% · 4.625%
HK$55,146
+HK$3,163/mo
Deposit HK$10.73M · loan HK$10.73M · min. income ≈ HK$103,966/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$895,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,418
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$55,877
−HK$1,481/mo
Today · 4.125%
HK$57,358
baseline
▲ 0.50% · 4.625%
HK$60,381
+HK$3,023/mo
Deposit HK$10.73M · loan HK$10.73M · min. income ≈ HK$114,716/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$895,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,698
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$60,524
−HK$1,855/mo
Today · 4.125%
HK$62,379
baseline
▲ 0.50% · 4.625%
HK$66,175
+HK$3,796/mo
Deposit HK$8.58M · loan HK$12.87M · min. income ≈ HK$124,758/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$895,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,301
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$67,052
−HK$1,777/mo
Today · 4.125%
HK$68,829
baseline
▲ 0.50% · 4.625%
HK$72,457
+HK$3,628/mo
Deposit HK$8.58M · loan HK$12.87M · min. income ≈ HK$137,658/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$895,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,481
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$70,611
−HK$2,165/mo
Today · 4.125%
HK$72,776
baseline
▲ 0.50% · 4.625%
HK$77,204
+HK$4,428/mo
Deposit HK$6.44M · loan HK$15.02M · min. income ≈ HK$145,552/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$895,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,185
−HK$4,116/mo
▼ 0.25% · 3.875%
HK$78,228
−HK$2,073/mo
Today · 4.125%
HK$80,301
baseline
▲ 0.50% · 4.625%
HK$84,533
+HK$4,232/mo
Deposit HK$6.44M · loan HK$15.02M · min. income ≈ HK$160,602/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$895,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,047
−HK$5,522/mo
▼ 0.25% · 3.875%
HK$90,786
−HK$2,783/mo
Today · 4.125%
HK$93,569
baseline
▲ 0.50% · 4.625%
HK$99,262
+HK$5,693/mo
Deposit HK$2.15M · loan HK$19.31M · min. income ≈ HK$187,138/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$895,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,952
−HK$5,292/mo
▼ 0.25% · 3.875%
HK$100,579
−HK$2,665/mo
Today · 4.125%
HK$103,244
baseline
▲ 0.50% · 4.625%
HK$108,686
+HK$5,442/mo
Deposit HK$2.15M · loan HK$19.31M · min. income ≈ HK$206,488/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$895,159 · Scale 2, in force from 26 Feb 2026)