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$48,839
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$50,359
−HK$1,543/mo
Today · 4.125%
HK$51,902
baseline
▲ 0.50% · 4.625%
HK$55,060
+HK$3,158/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$103,804/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$891,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,333
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$55,791
−HK$1,478/mo
Today · 4.125%
HK$57,269
baseline
▲ 0.50% · 4.625%
HK$60,288
+HK$3,019/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$114,538/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$891,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,607
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$60,430
−HK$1,852/mo
Today · 4.125%
HK$62,282
baseline
▲ 0.50% · 4.625%
HK$66,072
+HK$3,790/mo
Deposit HK$8.57M · loan HK$12.85M · min. income ≈ HK$124,564/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$891,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,200
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$66,949
−HK$1,774/mo
Today · 4.125%
HK$68,723
baseline
▲ 0.50% · 4.625%
HK$72,345
+HK$3,622/mo
Deposit HK$8.57M · loan HK$12.85M · min. income ≈ HK$137,446/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$891,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,375
−HK$4,288/mo
▼ 0.25% · 3.875%
HK$70,502
−HK$2,161/mo
Today · 4.125%
HK$72,663
baseline
▲ 0.50% · 4.625%
HK$77,084
+HK$4,421/mo
Deposit HK$6.43M · loan HK$14.99M · min. income ≈ HK$145,326/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$891,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,067
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$78,107
−HK$2,069/mo
Today · 4.125%
HK$80,176
baseline
▲ 0.50% · 4.625%
HK$84,403
+HK$4,227/mo
Deposit HK$6.43M · loan HK$14.99M · min. income ≈ HK$160,352/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$891,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,911
−HK$5,513/mo
▼ 0.25% · 3.875%
HK$90,645
−HK$2,779/mo
Today · 4.125%
HK$93,424
baseline
▲ 0.50% · 4.625%
HK$99,108
+HK$5,684/mo
Deposit HK$2.14M · loan HK$19.28M · min. income ≈ HK$186,848/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$891,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,800
−HK$5,284/mo
▼ 0.25% · 3.875%
HK$100,423
−HK$2,661/mo
Today · 4.125%
HK$103,084
baseline
▲ 0.50% · 4.625%
HK$108,518
+HK$5,434/mo
Deposit HK$2.14M · loan HK$19.28M · min. income ≈ HK$206,168/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$891,838 · Scale 2, in force from 26 Feb 2026)