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$48,833
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$50,352
−HK$1,544/mo
Today · 4.125%
HK$51,896
baseline
▲ 0.50% · 4.625%
HK$55,053
+HK$3,157/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$103,792/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$891,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,327
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$55,784
−HK$1,478/mo
Today · 4.125%
HK$57,262
baseline
▲ 0.50% · 4.625%
HK$60,280
+HK$3,018/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$114,524/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$891,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,600
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$60,423
−HK$1,852/mo
Today · 4.125%
HK$62,275
baseline
▲ 0.50% · 4.625%
HK$66,064
+HK$3,789/mo
Deposit HK$8.57M · loan HK$12.85M · min. income ≈ HK$124,550/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$891,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,192
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$66,940
−HK$1,774/mo
Today · 4.125%
HK$68,714
baseline
▲ 0.50% · 4.625%
HK$72,336
+HK$3,622/mo
Deposit HK$8.57M · loan HK$12.85M · min. income ≈ HK$137,428/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$891,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,367
−HK$4,287/mo
▼ 0.25% · 3.875%
HK$70,493
−HK$2,161/mo
Today · 4.125%
HK$72,654
baseline
▲ 0.50% · 4.625%
HK$77,075
+HK$4,421/mo
Deposit HK$6.42M · loan HK$14.99M · min. income ≈ HK$145,308/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$891,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,057
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$78,097
−HK$2,069/mo
Today · 4.125%
HK$80,166
baseline
▲ 0.50% · 4.625%
HK$84,392
+HK$4,226/mo
Deposit HK$6.42M · loan HK$14.99M · min. income ≈ HK$160,332/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$891,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,900
−HK$5,512/mo
▼ 0.25% · 3.875%
HK$90,634
−HK$2,778/mo
Today · 4.125%
HK$93,412
baseline
▲ 0.50% · 4.625%
HK$99,096
+HK$5,684/mo
Deposit HK$2.14M · loan HK$19.27M · min. income ≈ HK$186,824/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$891,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,788
−HK$5,283/mo
▼ 0.25% · 3.875%
HK$100,411
−HK$2,660/mo
Today · 4.125%
HK$103,071
baseline
▲ 0.50% · 4.625%
HK$108,504
+HK$5,433/mo
Deposit HK$2.14M · loan HK$19.27M · min. income ≈ HK$206,142/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$891,573 · Scale 2, in force from 26 Feb 2026)