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$48,930
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$50,452
−HK$1,547/mo
Today · 4.125%
HK$51,999
baseline
▲ 0.50% · 4.625%
HK$55,163
+HK$3,164/mo
Deposit HK$10.73M · loan HK$10.73M · min. income ≈ HK$103,998/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$895,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,434
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$55,894
−HK$1,481/mo
Today · 4.125%
HK$57,375
baseline
▲ 0.50% · 4.625%
HK$60,400
+HK$3,025/mo
Deposit HK$10.73M · loan HK$10.73M · min. income ≈ HK$114,750/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$895,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,716
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$60,543
−HK$1,855/mo
Today · 4.125%
HK$62,398
baseline
▲ 0.50% · 4.625%
HK$66,195
+HK$3,797/mo
Deposit HK$8.58M · loan HK$12.87M · min. income ≈ HK$124,796/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$895,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,321
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$67,073
−HK$1,777/mo
Today · 4.125%
HK$68,850
baseline
▲ 0.50% · 4.625%
HK$72,480
+HK$3,630/mo
Deposit HK$8.58M · loan HK$12.87M · min. income ≈ HK$137,700/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$895,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,502
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$70,633
−HK$2,165/mo
Today · 4.125%
HK$72,798
baseline
▲ 0.50% · 4.625%
HK$77,228
+HK$4,430/mo
Deposit HK$6.44M · loan HK$15.02M · min. income ≈ HK$145,596/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$895,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,208
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$78,252
−HK$2,073/mo
Today · 4.125%
HK$80,325
baseline
▲ 0.50% · 4.625%
HK$84,560
+HK$4,235/mo
Deposit HK$6.44M · loan HK$15.02M · min. income ≈ HK$160,650/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$895,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,074
−HK$5,523/mo
▼ 0.25% · 3.875%
HK$90,814
−HK$2,783/mo
Today · 4.125%
HK$93,597
baseline
▲ 0.50% · 4.625%
HK$99,293
+HK$5,696/mo
Deposit HK$2.15M · loan HK$19.31M · min. income ≈ HK$187,194/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$895,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,982
−HK$5,294/mo
▼ 0.25% · 3.875%
HK$100,610
−HK$2,666/mo
Today · 4.125%
HK$103,276
baseline
▲ 0.50% · 4.625%
HK$108,719
+HK$5,443/mo
Deposit HK$2.15M · loan HK$19.31M · min. income ≈ HK$206,552/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$895,823 · Scale 2, in force from 26 Feb 2026)