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$48,929
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$50,451
−HK$1,546/mo
Today · 4.125%
HK$51,997
baseline
▲ 0.50% · 4.625%
HK$55,161
+HK$3,164/mo
Deposit HK$10.73M · loan HK$10.73M · min. income ≈ HK$103,994/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$895,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,433
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$55,893
−HK$1,481/mo
Today · 4.125%
HK$57,374
baseline
▲ 0.50% · 4.625%
HK$60,398
+HK$3,024/mo
Deposit HK$10.73M · loan HK$10.73M · min. income ≈ HK$114,748/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$895,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,715
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$60,541
−HK$1,856/mo
Today · 4.125%
HK$62,397
baseline
▲ 0.50% · 4.625%
HK$66,194
+HK$3,797/mo
Deposit HK$8.58M · loan HK$12.87M · min. income ≈ HK$124,794/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$895,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,320
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$67,072
−HK$1,777/mo
Today · 4.125%
HK$68,849
baseline
▲ 0.50% · 4.625%
HK$72,478
+HK$3,629/mo
Deposit HK$8.58M · loan HK$12.87M · min. income ≈ HK$137,698/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$895,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,501
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$70,632
−HK$2,164/mo
Today · 4.125%
HK$72,796
baseline
▲ 0.50% · 4.625%
HK$77,226
+HK$4,430/mo
Deposit HK$6.44M · loan HK$15.02M · min. income ≈ HK$145,592/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$895,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,206
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$78,250
−HK$2,074/mo
Today · 4.125%
HK$80,324
baseline
▲ 0.50% · 4.625%
HK$84,558
+HK$4,234/mo
Deposit HK$6.44M · loan HK$15.02M · min. income ≈ HK$160,648/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$895,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,072
−HK$5,523/mo
▼ 0.25% · 3.875%
HK$90,812
−HK$2,783/mo
Today · 4.125%
HK$93,595
baseline
▲ 0.50% · 4.625%
HK$99,290
+HK$5,695/mo
Deposit HK$2.15M · loan HK$19.31M · min. income ≈ HK$187,190/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$895,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,980
−HK$5,293/mo
▼ 0.25% · 3.875%
HK$100,608
−HK$2,665/mo
Today · 4.125%
HK$103,273
baseline
▲ 0.50% · 4.625%
HK$108,717
+HK$5,444/mo
Deposit HK$2.15M · loan HK$19.31M · min. income ≈ HK$206,546/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$895,775 · Scale 2, in force from 26 Feb 2026)