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$48,851
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$50,371
−HK$1,544/mo
Today · 4.125%
HK$51,915
baseline
▲ 0.50% · 4.625%
HK$55,074
+HK$3,159/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$103,830/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$892,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,347
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$55,804
−HK$1,479/mo
Today · 4.125%
HK$57,283
baseline
▲ 0.50% · 4.625%
HK$60,302
+HK$3,019/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$114,566/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$892,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,622
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$60,445
−HK$1,853/mo
Today · 4.125%
HK$62,298
baseline
▲ 0.50% · 4.625%
HK$66,088
+HK$3,790/mo
Deposit HK$8.57M · loan HK$12.85M · min. income ≈ HK$124,596/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$892,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,216
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$66,965
−HK$1,774/mo
Today · 4.125%
HK$68,739
baseline
▲ 0.50% · 4.625%
HK$72,363
+HK$3,624/mo
Deposit HK$8.57M · loan HK$12.85M · min. income ≈ HK$137,478/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$892,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,392
−HK$4,289/mo
▼ 0.25% · 3.875%
HK$70,519
−HK$2,162/mo
Today · 4.125%
HK$72,681
baseline
▲ 0.50% · 4.625%
HK$77,103
+HK$4,422/mo
Deposit HK$6.43M · loan HK$15.00M · min. income ≈ HK$145,362/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$892,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,085
−HK$4,111/mo
▼ 0.25% · 3.875%
HK$78,126
−HK$2,070/mo
Today · 4.125%
HK$80,196
baseline
▲ 0.50% · 4.625%
HK$84,423
+HK$4,227/mo
Deposit HK$6.43M · loan HK$15.00M · min. income ≈ HK$160,392/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$892,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,932
−HK$5,515/mo
▼ 0.25% · 3.875%
HK$90,668
−HK$2,779/mo
Today · 4.125%
HK$93,447
baseline
▲ 0.50% · 4.625%
HK$99,133
+HK$5,686/mo
Deposit HK$2.14M · loan HK$19.28M · min. income ≈ HK$186,894/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$892,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,824
−HK$5,285/mo
▼ 0.25% · 3.875%
HK$100,448
−HK$2,661/mo
Today · 4.125%
HK$103,109
baseline
▲ 0.50% · 4.625%
HK$108,544
+HK$5,435/mo
Deposit HK$2.14M · loan HK$19.28M · min. income ≈ HK$206,218/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$892,363 · Scale 2, in force from 26 Feb 2026)