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$48,842
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$50,361
−HK$1,544/mo
Today · 4.125%
HK$51,905
baseline
▲ 0.50% · 4.625%
HK$55,063
+HK$3,158/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$103,810/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$891,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,336
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$55,793
−HK$1,479/mo
Today · 4.125%
HK$57,272
baseline
▲ 0.50% · 4.625%
HK$60,290
+HK$3,018/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$114,544/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$891,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,610
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$60,433
−HK$1,852/mo
Today · 4.125%
HK$62,285
baseline
▲ 0.50% · 4.625%
HK$66,075
+HK$3,790/mo
Deposit HK$8.57M · loan HK$12.85M · min. income ≈ HK$124,570/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$891,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,203
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$66,952
−HK$1,774/mo
Today · 4.125%
HK$68,726
baseline
▲ 0.50% · 4.625%
HK$72,348
+HK$3,622/mo
Deposit HK$8.57M · loan HK$12.85M · min. income ≈ HK$137,452/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$891,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,378
−HK$4,288/mo
▼ 0.25% · 3.875%
HK$70,505
−HK$2,161/mo
Today · 4.125%
HK$72,666
baseline
▲ 0.50% · 4.625%
HK$77,088
+HK$4,422/mo
Deposit HK$6.43M · loan HK$14.99M · min. income ≈ HK$145,332/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$891,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,070
−HK$4,110/mo
▼ 0.25% · 3.875%
HK$78,110
−HK$2,070/mo
Today · 4.125%
HK$80,180
baseline
▲ 0.50% · 4.625%
HK$84,407
+HK$4,227/mo
Deposit HK$6.43M · loan HK$14.99M · min. income ≈ HK$160,360/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$891,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,915
−HK$5,513/mo
▼ 0.25% · 3.875%
HK$90,650
−HK$2,778/mo
Today · 4.125%
HK$93,428
baseline
▲ 0.50% · 4.625%
HK$99,113
+HK$5,685/mo
Deposit HK$2.14M · loan HK$19.28M · min. income ≈ HK$186,856/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$891,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,805
−HK$5,284/mo
▼ 0.25% · 3.875%
HK$100,428
−HK$2,661/mo
Today · 4.125%
HK$103,089
baseline
▲ 0.50% · 4.625%
HK$108,523
+HK$5,434/mo
Deposit HK$2.14M · loan HK$19.28M · min. income ≈ HK$206,178/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$891,941 · Scale 2, in force from 26 Feb 2026)