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$48,933
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$50,455
−HK$1,547/mo
Today · 4.125%
HK$52,002
baseline
▲ 0.50% · 4.625%
HK$55,166
+HK$3,164/mo
Deposit HK$10.73M · loan HK$10.73M · min. income ≈ HK$104,004/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$895,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,438
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$55,898
−HK$1,481/mo
Today · 4.125%
HK$57,379
baseline
▲ 0.50% · 4.625%
HK$60,403
+HK$3,024/mo
Deposit HK$10.73M · loan HK$10.73M · min. income ≈ HK$114,758/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$895,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,720
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$60,547
−HK$1,855/mo
Today · 4.125%
HK$62,402
baseline
▲ 0.50% · 4.625%
HK$66,199
+HK$3,797/mo
Deposit HK$8.58M · loan HK$12.88M · min. income ≈ HK$124,804/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$895,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,325
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$67,077
−HK$1,778/mo
Today · 4.125%
HK$68,855
baseline
▲ 0.50% · 4.625%
HK$72,484
+HK$3,629/mo
Deposit HK$8.58M · loan HK$12.88M · min. income ≈ HK$137,710/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$895,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,507
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$70,638
−HK$2,165/mo
Today · 4.125%
HK$72,803
baseline
▲ 0.50% · 4.625%
HK$77,232
+HK$4,429/mo
Deposit HK$6.44M · loan HK$15.02M · min. income ≈ HK$145,606/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$895,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,213
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$78,257
−HK$2,073/mo
Today · 4.125%
HK$80,330
baseline
▲ 0.50% · 4.625%
HK$84,565
+HK$4,235/mo
Deposit HK$6.44M · loan HK$15.02M · min. income ≈ HK$160,660/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$895,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,080
−HK$5,523/mo
▼ 0.25% · 3.875%
HK$90,820
−HK$2,783/mo
Today · 4.125%
HK$93,603
baseline
▲ 0.50% · 4.625%
HK$99,299
+HK$5,696/mo
Deposit HK$2.15M · loan HK$19.31M · min. income ≈ HK$187,206/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$895,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,988
−HK$5,294/mo
▼ 0.25% · 3.875%
HK$100,616
−HK$2,666/mo
Today · 4.125%
HK$103,282
baseline
▲ 0.50% · 4.625%
HK$108,726
+HK$5,444/mo
Deposit HK$2.15M · loan HK$19.31M · min. income ≈ HK$206,564/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$895,957 · Scale 2, in force from 26 Feb 2026)