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$48,948
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$50,470
−HK$1,547/mo
Today · 4.125%
HK$52,017
baseline
▲ 0.50% · 4.625%
HK$55,182
+HK$3,165/mo
Deposit HK$10.73M · loan HK$10.73M · min. income ≈ HK$104,034/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$896,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,454
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$55,914
−HK$1,482/mo
Today · 4.125%
HK$57,396
baseline
▲ 0.50% · 4.625%
HK$60,421
+HK$3,025/mo
Deposit HK$10.73M · loan HK$10.73M · min. income ≈ HK$114,792/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$896,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,737
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$60,564
−HK$1,856/mo
Today · 4.125%
HK$62,420
baseline
▲ 0.50% · 4.625%
HK$66,219
+HK$3,799/mo
Deposit HK$8.59M · loan HK$12.88M · min. income ≈ HK$124,840/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$896,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,344
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$67,097
−HK$1,778/mo
Today · 4.125%
HK$68,875
baseline
▲ 0.50% · 4.625%
HK$72,505
+HK$3,630/mo
Deposit HK$8.59M · loan HK$12.88M · min. income ≈ HK$137,750/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$896,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,527
−HK$4,297/mo
▼ 0.25% · 3.875%
HK$70,658
−HK$2,166/mo
Today · 4.125%
HK$72,824
baseline
▲ 0.50% · 4.625%
HK$77,255
+HK$4,431/mo
Deposit HK$6.44M · loan HK$15.03M · min. income ≈ HK$145,648/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$896,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,235
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$78,280
−HK$2,074/mo
Today · 4.125%
HK$80,354
baseline
▲ 0.50% · 4.625%
HK$84,590
+HK$4,236/mo
Deposit HK$6.44M · loan HK$15.03M · min. income ≈ HK$160,708/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$896,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,106
−HK$5,525/mo
▼ 0.25% · 3.875%
HK$90,846
−HK$2,785/mo
Today · 4.125%
HK$93,631
baseline
▲ 0.50% · 4.625%
HK$99,328
+HK$5,697/mo
Deposit HK$2.15M · loan HK$19.32M · min. income ≈ HK$187,262/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$896,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,017
−HK$5,295/mo
▼ 0.25% · 3.875%
HK$100,645
−HK$2,667/mo
Today · 4.125%
HK$103,312
baseline
▲ 0.50% · 4.625%
HK$108,758
+HK$5,446/mo
Deposit HK$2.15M · loan HK$19.32M · min. income ≈ HK$206,624/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$896,584 · Scale 2, in force from 26 Feb 2026)