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$48,891
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$50,412
−HK$1,545/mo
Today · 4.125%
HK$51,957
baseline
▲ 0.50% · 4.625%
HK$55,119
+HK$3,162/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$103,914/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$894,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,391
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$55,850
−HK$1,480/mo
Today · 4.125%
HK$57,330
baseline
▲ 0.50% · 4.625%
HK$60,351
+HK$3,021/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$114,660/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$894,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,669
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$60,494
−HK$1,854/mo
Today · 4.125%
HK$62,348
baseline
▲ 0.50% · 4.625%
HK$66,142
+HK$3,794/mo
Deposit HK$8.58M · loan HK$12.86M · min. income ≈ HK$124,696/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$894,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,269
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$67,020
−HK$1,775/mo
Today · 4.125%
HK$68,795
baseline
▲ 0.50% · 4.625%
HK$72,422
+HK$3,627/mo
Deposit HK$8.58M · loan HK$12.86M · min. income ≈ HK$137,590/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$894,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,448
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$70,577
−HK$2,163/mo
Today · 4.125%
HK$72,740
baseline
▲ 0.50% · 4.625%
HK$77,166
+HK$4,426/mo
Deposit HK$6.43M · loan HK$15.01M · min. income ≈ HK$145,480/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$894,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,147
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$78,190
−HK$2,071/mo
Today · 4.125%
HK$80,261
baseline
▲ 0.50% · 4.625%
HK$84,492
+HK$4,231/mo
Deposit HK$6.43M · loan HK$15.01M · min. income ≈ HK$160,522/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$894,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,004
−HK$5,519/mo
▼ 0.25% · 3.875%
HK$90,742
−HK$2,781/mo
Today · 4.125%
HK$93,523
baseline
▲ 0.50% · 4.625%
HK$99,213
+HK$5,690/mo
Deposit HK$2.14M · loan HK$19.30M · min. income ≈ HK$187,046/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$894,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,904
−HK$5,289/mo
▼ 0.25% · 3.875%
HK$100,529
−HK$2,664/mo
Today · 4.125%
HK$103,193
baseline
▲ 0.50% · 4.625%
HK$108,633
+HK$5,440/mo
Deposit HK$2.14M · loan HK$19.30M · min. income ≈ HK$206,386/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$894,109 · Scale 2, in force from 26 Feb 2026)