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$48,884
−HK$3,066/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$893,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,383
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$55,842
−HK$1,479/mo
Today · 4.125%
HK$57,321
baseline
▲ 0.50% · 4.625%
HK$60,343
+HK$3,022/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$114,642/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$893,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,661
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$60,486
−HK$1,854/mo
Today · 4.125%
HK$62,340
baseline
▲ 0.50% · 4.625%
HK$66,133
+HK$3,793/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$893,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,260
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$67,010
−HK$1,776/mo
Today · 4.125%
HK$68,786
baseline
▲ 0.50% · 4.625%
HK$72,412
+HK$3,626/mo
Deposit HK$8.58M · loan HK$12.86M · min. income ≈ HK$137,572/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$893,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,438
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$70,567
−HK$2,163/mo
Today · 4.125%
HK$72,730
baseline
▲ 0.50% · 4.625%
HK$77,155
+HK$4,425/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$893,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,137
−HK$4,113/mo
▼ 0.25% · 3.875%
HK$78,179
−HK$2,071/mo
Today · 4.125%
HK$80,250
baseline
▲ 0.50% · 4.625%
HK$84,480
+HK$4,230/mo
Deposit HK$6.43M · loan HK$15.01M · min. income ≈ HK$160,500/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$893,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,992
−HK$5,518/mo
▼ 0.25% · 3.875%
HK$90,729
−HK$2,781/mo
Today · 4.125%
HK$93,510
baseline
▲ 0.50% · 4.625%
HK$99,199
+HK$5,689/mo
Deposit HK$2.14M · loan HK$19.29M · min. income ≈ HK$187,020/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$893,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,890
−HK$5,289/mo
▼ 0.25% · 3.875%
HK$100,515
−HK$2,664/mo
Today · 4.125%
HK$103,179
baseline
▲ 0.50% · 4.625%
HK$108,617
+HK$5,438/mo
Deposit HK$2.14M · loan HK$19.29M · min. income ≈ HK$206,358/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$893,809 · Scale 2, in force from 26 Feb 2026)