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$48,824
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$50,343
−HK$1,543/mo
Today · 4.125%
HK$51,886
baseline
▲ 0.50% · 4.625%
HK$55,043
+HK$3,157/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$103,772/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$891,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,316
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$55,773
−HK$1,478/mo
Today · 4.125%
HK$57,251
baseline
▲ 0.50% · 4.625%
HK$60,269
+HK$3,018/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$114,502/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$891,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,589
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$60,411
−HK$1,852/mo
Today · 4.125%
HK$62,263
baseline
▲ 0.50% · 4.625%
HK$66,051
+HK$3,788/mo
Deposit HK$8.56M · loan HK$12.85M · min. income ≈ HK$124,526/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$891,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,179
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$66,928
−HK$1,773/mo
Today · 4.125%
HK$68,701
baseline
▲ 0.50% · 4.625%
HK$72,322
+HK$3,621/mo
Deposit HK$8.56M · loan HK$12.85M · min. income ≈ HK$137,402/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$891,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,354
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$70,480
−HK$2,160/mo
Today · 4.125%
HK$72,640
baseline
▲ 0.50% · 4.625%
HK$77,060
+HK$4,420/mo
Deposit HK$6.42M · loan HK$14.99M · min. income ≈ HK$145,280/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$891,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,043
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$78,082
−HK$2,069/mo
Today · 4.125%
HK$80,151
baseline
▲ 0.50% · 4.625%
HK$84,376
+HK$4,225/mo
Deposit HK$6.42M · loan HK$14.99M · min. income ≈ HK$160,302/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$891,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,883
−HK$5,511/mo
▼ 0.25% · 3.875%
HK$90,617
−HK$2,777/mo
Today · 4.125%
HK$93,394
baseline
▲ 0.50% · 4.625%
HK$99,077
+HK$5,683/mo
Deposit HK$2.14M · loan HK$19.27M · min. income ≈ HK$186,788/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$891,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,769
−HK$5,282/mo
▼ 0.25% · 3.875%
HK$100,391
−HK$2,660/mo
Today · 4.125%
HK$103,051
baseline
▲ 0.50% · 4.625%
HK$108,483
+HK$5,432/mo
Deposit HK$2.14M · loan HK$19.27M · min. income ≈ HK$206,102/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$891,165 · Scale 2, in force from 26 Feb 2026)