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$48,861
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$50,381
−HK$1,544/mo
Today · 4.125%
HK$51,925
baseline
▲ 0.50% · 4.625%
HK$55,085
+HK$3,160/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$103,850/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$892,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,358
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$55,815
−HK$1,479/mo
Today · 4.125%
HK$57,294
baseline
▲ 0.50% · 4.625%
HK$60,314
+HK$3,020/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$114,588/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$892,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,633
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$60,457
−HK$1,853/mo
Today · 4.125%
HK$62,310
baseline
▲ 0.50% · 4.625%
HK$66,102
+HK$3,792/mo
Deposit HK$8.57M · loan HK$12.86M · min. income ≈ HK$124,620/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$892,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,229
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$66,978
−HK$1,775/mo
Today · 4.125%
HK$68,753
baseline
▲ 0.50% · 4.625%
HK$72,377
+HK$3,624/mo
Deposit HK$8.57M · loan HK$12.86M · min. income ≈ HK$137,506/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$892,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,406
−HK$4,289/mo
▼ 0.25% · 3.875%
HK$70,533
−HK$2,162/mo
Today · 4.125%
HK$72,695
baseline
▲ 0.50% · 4.625%
HK$77,119
+HK$4,424/mo
Deposit HK$6.43M · loan HK$15.00M · min. income ≈ HK$145,390/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$892,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,101
−HK$4,111/mo
▼ 0.25% · 3.875%
HK$78,141
−HK$2,071/mo
Today · 4.125%
HK$80,212
baseline
▲ 0.50% · 4.625%
HK$84,440
+HK$4,228/mo
Deposit HK$6.43M · loan HK$15.00M · min. income ≈ HK$160,424/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$892,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,950
−HK$5,515/mo
▼ 0.25% · 3.875%
HK$90,686
−HK$2,779/mo
Today · 4.125%
HK$93,465
baseline
▲ 0.50% · 4.625%
HK$99,152
+HK$5,687/mo
Deposit HK$2.14M · loan HK$19.29M · min. income ≈ HK$186,930/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$892,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,844
−HK$5,286/mo
▼ 0.25% · 3.875%
HK$100,468
−HK$2,662/mo
Today · 4.125%
HK$103,130
baseline
▲ 0.50% · 4.625%
HK$108,566
+HK$5,436/mo
Deposit HK$2.14M · loan HK$19.29M · min. income ≈ HK$206,260/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$892,791 · Scale 2, in force from 26 Feb 2026)