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$48,892
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$50,413
−HK$1,545/mo
Today · 4.125%
HK$51,958
baseline
▲ 0.50% · 4.625%
HK$55,120
+HK$3,162/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$103,916/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$894,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,392
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$55,851
−HK$1,480/mo
Today · 4.125%
HK$57,331
baseline
▲ 0.50% · 4.625%
HK$60,353
+HK$3,022/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$114,662/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$894,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,671
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$60,496
−HK$1,854/mo
Today · 4.125%
HK$62,350
baseline
▲ 0.50% · 4.625%
HK$66,144
+HK$3,794/mo
Deposit HK$8.58M · loan HK$12.86M · min. income ≈ HK$124,700/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$894,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,270
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$67,021
−HK$1,776/mo
Today · 4.125%
HK$68,797
baseline
▲ 0.50% · 4.625%
HK$72,423
+HK$3,626/mo
Deposit HK$8.58M · loan HK$12.86M · min. income ≈ HK$137,594/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$894,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,449
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$70,578
−HK$2,163/mo
Today · 4.125%
HK$72,741
baseline
▲ 0.50% · 4.625%
HK$77,167
+HK$4,426/mo
Deposit HK$6.43M · loan HK$15.01M · min. income ≈ HK$145,482/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$894,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,149
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$78,191
−HK$2,072/mo
Today · 4.125%
HK$80,263
baseline
▲ 0.50% · 4.625%
HK$84,494
+HK$4,231/mo
Deposit HK$6.43M · loan HK$15.01M · min. income ≈ HK$160,526/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$894,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,006
−HK$5,519/mo
▼ 0.25% · 3.875%
HK$90,743
−HK$2,782/mo
Today · 4.125%
HK$93,525
baseline
▲ 0.50% · 4.625%
HK$99,215
+HK$5,690/mo
Deposit HK$2.14M · loan HK$19.30M · min. income ≈ HK$187,050/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$894,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,906
−HK$5,289/mo
▼ 0.25% · 3.875%
HK$100,531
−HK$2,664/mo
Today · 4.125%
HK$103,195
baseline
▲ 0.50% · 4.625%
HK$108,635
+HK$5,440/mo
Deposit HK$2.14M · loan HK$19.30M · min. income ≈ HK$206,390/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$894,150 · Scale 2, in force from 26 Feb 2026)