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$48,873
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$50,394
−HK$1,544/mo
Today · 4.125%
HK$51,938
baseline
▲ 0.50% · 4.625%
HK$55,098
+HK$3,160/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$103,876/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$893,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,371
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$55,829
−HK$1,480/mo
Today · 4.125%
HK$57,309
baseline
▲ 0.50% · 4.625%
HK$60,329
+HK$3,020/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$114,618/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$893,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,648
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$60,472
−HK$1,854/mo
Today · 4.125%
HK$62,326
baseline
▲ 0.50% · 4.625%
HK$66,118
+HK$3,792/mo
Deposit HK$8.57M · loan HK$12.86M · min. income ≈ HK$124,652/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$893,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,245
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$66,995
−HK$1,775/mo
Today · 4.125%
HK$68,770
baseline
▲ 0.50% · 4.625%
HK$72,395
+HK$3,625/mo
Deposit HK$8.57M · loan HK$12.86M · min. income ≈ HK$137,540/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$893,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,423
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$70,551
−HK$2,162/mo
Today · 4.125%
HK$72,713
baseline
▲ 0.50% · 4.625%
HK$77,138
+HK$4,425/mo
Deposit HK$6.43M · loan HK$15.00M · min. income ≈ HK$145,426/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$893,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,119
−HK$4,113/mo
▼ 0.25% · 3.875%
HK$78,161
−HK$2,071/mo
Today · 4.125%
HK$80,232
baseline
▲ 0.50% · 4.625%
HK$84,461
+HK$4,229/mo
Deposit HK$6.43M · loan HK$15.00M · min. income ≈ HK$160,464/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$893,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,972
−HK$5,517/mo
▼ 0.25% · 3.875%
HK$90,708
−HK$2,781/mo
Today · 4.125%
HK$93,489
baseline
▲ 0.50% · 4.625%
HK$99,177
+HK$5,688/mo
Deposit HK$2.14M · loan HK$19.29M · min. income ≈ HK$186,978/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$893,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,868
−HK$5,287/mo
▼ 0.25% · 3.875%
HK$100,493
−HK$2,662/mo
Today · 4.125%
HK$103,155
baseline
▲ 0.50% · 4.625%
HK$108,593
+HK$5,438/mo
Deposit HK$2.14M · loan HK$19.29M · min. income ≈ HK$206,310/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$893,324 · Scale 2, in force from 26 Feb 2026)