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$48,893
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$50,414
−HK$1,545/mo
Today · 4.125%
HK$51,959
baseline
▲ 0.50% · 4.625%
HK$55,121
+HK$3,162/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$103,918/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$894,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,393
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$55,852
−HK$1,480/mo
Today · 4.125%
HK$57,332
baseline
▲ 0.50% · 4.625%
HK$60,354
+HK$3,022/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$114,664/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$894,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,672
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$60,497
−HK$1,854/mo
Today · 4.125%
HK$62,351
baseline
▲ 0.50% · 4.625%
HK$66,145
+HK$3,794/mo
Deposit HK$8.58M · loan HK$12.87M · min. income ≈ HK$124,702/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$894,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,272
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$67,022
−HK$1,776/mo
Today · 4.125%
HK$68,798
baseline
▲ 0.50% · 4.625%
HK$72,425
+HK$3,627/mo
Deposit HK$8.58M · loan HK$12.87M · min. income ≈ HK$137,596/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$894,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,451
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$70,580
−HK$2,163/mo
Today · 4.125%
HK$72,743
baseline
▲ 0.50% · 4.625%
HK$77,169
+HK$4,426/mo
Deposit HK$6.43M · loan HK$15.01M · min. income ≈ HK$145,486/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$894,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,151
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$78,193
−HK$2,072/mo
Today · 4.125%
HK$80,265
baseline
▲ 0.50% · 4.625%
HK$84,496
+HK$4,231/mo
Deposit HK$6.43M · loan HK$15.01M · min. income ≈ HK$160,530/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$894,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,008
−HK$5,519/mo
▼ 0.25% · 3.875%
HK$90,745
−HK$2,782/mo
Today · 4.125%
HK$93,527
baseline
▲ 0.50% · 4.625%
HK$99,218
+HK$5,691/mo
Deposit HK$2.14M · loan HK$19.30M · min. income ≈ HK$187,054/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$894,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,908
−HK$5,290/mo
▼ 0.25% · 3.875%
HK$100,534
−HK$2,664/mo
Today · 4.125%
HK$103,198
baseline
▲ 0.50% · 4.625%
HK$108,637
+HK$5,439/mo
Deposit HK$2.14M · loan HK$19.30M · min. income ≈ HK$206,396/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$894,201 · Scale 2, in force from 26 Feb 2026)