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$48,844
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$50,364
−HK$1,543/mo
Today · 4.125%
HK$51,907
baseline
▲ 0.50% · 4.625%
HK$55,066
+HK$3,159/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$103,814/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$892,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,339
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$55,796
−HK$1,479/mo
Today · 4.125%
HK$57,275
baseline
▲ 0.50% · 4.625%
HK$60,294
+HK$3,019/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$114,550/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$892,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,613
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$60,436
−HK$1,853/mo
Today · 4.125%
HK$62,289
baseline
▲ 0.50% · 4.625%
HK$66,079
+HK$3,790/mo
Deposit HK$8.57M · loan HK$12.85M · min. income ≈ HK$124,578/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$892,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,207
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$66,955
−HK$1,774/mo
Today · 4.125%
HK$68,729
baseline
▲ 0.50% · 4.625%
HK$72,352
+HK$3,623/mo
Deposit HK$8.57M · loan HK$12.85M · min. income ≈ HK$137,458/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$892,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,382
−HK$4,288/mo
▼ 0.25% · 3.875%
HK$70,509
−HK$2,161/mo
Today · 4.125%
HK$72,670
baseline
▲ 0.50% · 4.625%
HK$77,092
+HK$4,422/mo
Deposit HK$6.43M · loan HK$14.99M · min. income ≈ HK$145,340/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$892,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,074
−HK$4,110/mo
▼ 0.25% · 3.875%
HK$78,115
−HK$2,069/mo
Today · 4.125%
HK$80,184
baseline
▲ 0.50% · 4.625%
HK$84,411
+HK$4,227/mo
Deposit HK$6.43M · loan HK$14.99M · min. income ≈ HK$160,368/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$892,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,920
−HK$5,513/mo
▼ 0.25% · 3.875%
HK$90,655
−HK$2,778/mo
Today · 4.125%
HK$93,433
baseline
▲ 0.50% · 4.625%
HK$99,118
+HK$5,685/mo
Deposit HK$2.14M · loan HK$19.28M · min. income ≈ HK$186,866/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$892,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,810
−HK$5,284/mo
▼ 0.25% · 3.875%
HK$100,433
−HK$2,661/mo
Today · 4.125%
HK$103,094
baseline
▲ 0.50% · 4.625%
HK$108,528
+HK$5,434/mo
Deposit HK$2.14M · loan HK$19.28M · min. income ≈ HK$206,188/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$892,053 · Scale 2, in force from 26 Feb 2026)