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$48,871
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$50,392
−HK$1,544/mo
Today · 4.125%
HK$51,936
baseline
▲ 0.50% · 4.625%
HK$55,096
+HK$3,160/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$103,872/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$893,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,369
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$55,827
−HK$1,479/mo
Today · 4.125%
HK$57,306
baseline
▲ 0.50% · 4.625%
HK$60,327
+HK$3,021/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$114,612/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$893,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,646
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$60,470
−HK$1,853/mo
Today · 4.125%
HK$62,323
baseline
▲ 0.50% · 4.625%
HK$66,115
+HK$3,792/mo
Deposit HK$8.57M · loan HK$12.86M · min. income ≈ HK$124,646/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$893,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,243
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$66,992
−HK$1,776/mo
Today · 4.125%
HK$68,768
baseline
▲ 0.50% · 4.625%
HK$72,392
+HK$3,624/mo
Deposit HK$8.57M · loan HK$12.86M · min. income ≈ HK$137,536/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$893,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,420
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$70,548
−HK$2,162/mo
Today · 4.125%
HK$72,710
baseline
▲ 0.50% · 4.625%
HK$77,135
+HK$4,425/mo
Deposit HK$6.43M · loan HK$15.00M · min. income ≈ HK$145,420/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$893,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,116
−HK$4,113/mo
▼ 0.25% · 3.875%
HK$78,158
−HK$2,071/mo
Today · 4.125%
HK$80,229
baseline
▲ 0.50% · 4.625%
HK$84,458
+HK$4,229/mo
Deposit HK$6.43M · loan HK$15.00M · min. income ≈ HK$160,458/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$893,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,968
−HK$5,517/mo
▼ 0.25% · 3.875%
HK$90,705
−HK$2,780/mo
Today · 4.125%
HK$93,485
baseline
▲ 0.50% · 4.625%
HK$99,173
+HK$5,688/mo
Deposit HK$2.14M · loan HK$19.29M · min. income ≈ HK$186,970/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$893,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,864
−HK$5,287/mo
▼ 0.25% · 3.875%
HK$100,489
−HK$2,662/mo
Today · 4.125%
HK$103,151
baseline
▲ 0.50% · 4.625%
HK$108,589
+HK$5,438/mo
Deposit HK$2.14M · loan HK$19.29M · min. income ≈ HK$206,302/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$893,240 · Scale 2, in force from 26 Feb 2026)