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$48,838
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$50,357
−HK$1,543/mo
Today · 4.125%
HK$51,900
baseline
▲ 0.50% · 4.625%
HK$55,058
+HK$3,158/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$103,800/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$891,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,332
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$55,789
−HK$1,478/mo
Today · 4.125%
HK$57,267
baseline
▲ 0.50% · 4.625%
HK$60,286
+HK$3,019/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$114,534/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$891,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,605
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$60,428
−HK$1,852/mo
Today · 4.125%
HK$62,280
baseline
▲ 0.50% · 4.625%
HK$66,070
+HK$3,790/mo
Deposit HK$8.57M · loan HK$12.85M · min. income ≈ HK$124,560/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$891,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,198
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$66,946
−HK$1,774/mo
Today · 4.125%
HK$68,720
baseline
▲ 0.50% · 4.625%
HK$72,343
+HK$3,623/mo
Deposit HK$8.57M · loan HK$12.85M · min. income ≈ HK$137,440/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$891,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,373
−HK$4,288/mo
▼ 0.25% · 3.875%
HK$70,500
−HK$2,161/mo
Today · 4.125%
HK$72,661
baseline
▲ 0.50% · 4.625%
HK$77,082
+HK$4,421/mo
Deposit HK$6.43M · loan HK$14.99M · min. income ≈ HK$145,322/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$891,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,064
−HK$4,110/mo
▼ 0.25% · 3.875%
HK$78,104
−HK$2,070/mo
Today · 4.125%
HK$80,174
baseline
▲ 0.50% · 4.625%
HK$84,400
+HK$4,226/mo
Deposit HK$6.43M · loan HK$14.99M · min. income ≈ HK$160,348/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$891,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,908
−HK$5,513/mo
▼ 0.25% · 3.875%
HK$90,643
−HK$2,778/mo
Today · 4.125%
HK$93,421
baseline
▲ 0.50% · 4.625%
HK$99,105
+HK$5,684/mo
Deposit HK$2.14M · loan HK$19.28M · min. income ≈ HK$186,842/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$891,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,797
−HK$5,283/mo
▼ 0.25% · 3.875%
HK$100,420
−HK$2,660/mo
Today · 4.125%
HK$103,080
baseline
▲ 0.50% · 4.625%
HK$108,514
+HK$5,434/mo
Deposit HK$2.14M · loan HK$19.28M · min. income ≈ HK$206,160/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$891,769 · Scale 2, in force from 26 Feb 2026)