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$48,869
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$50,390
−HK$1,544/mo
Today · 4.125%
HK$51,934
baseline
▲ 0.50% · 4.625%
HK$55,094
+HK$3,160/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$103,868/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$893,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,367
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$55,825
−HK$1,479/mo
Today · 4.125%
HK$57,304
baseline
▲ 0.50% · 4.625%
HK$60,325
+HK$3,021/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$114,608/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$893,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,643
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$60,468
−HK$1,853/mo
Today · 4.125%
HK$62,321
baseline
▲ 0.50% · 4.625%
HK$66,113
+HK$3,792/mo
Deposit HK$8.57M · loan HK$12.86M · min. income ≈ HK$124,642/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$893,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,240
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$66,990
−HK$1,775/mo
Today · 4.125%
HK$68,765
baseline
▲ 0.50% · 4.625%
HK$72,390
+HK$3,625/mo
Deposit HK$8.57M · loan HK$12.86M · min. income ≈ HK$137,530/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$893,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,417
−HK$4,291/mo
▼ 0.25% · 3.875%
HK$70,545
−HK$2,163/mo
Today · 4.125%
HK$72,708
baseline
▲ 0.50% · 4.625%
HK$77,132
+HK$4,424/mo
Deposit HK$6.43M · loan HK$15.00M · min. income ≈ HK$145,416/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$893,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,114
−HK$4,112/mo
▼ 0.25% · 3.875%
HK$78,155
−HK$2,071/mo
Today · 4.125%
HK$80,226
baseline
▲ 0.50% · 4.625%
HK$84,455
+HK$4,229/mo
Deposit HK$6.43M · loan HK$15.00M · min. income ≈ HK$160,452/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$893,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,965
−HK$5,516/mo
▼ 0.25% · 3.875%
HK$90,701
−HK$2,780/mo
Today · 4.125%
HK$93,481
baseline
▲ 0.50% · 4.625%
HK$99,169
+HK$5,688/mo
Deposit HK$2.14M · loan HK$19.29M · min. income ≈ HK$186,962/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$893,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,860
−HK$5,287/mo
▼ 0.25% · 3.875%
HK$100,485
−HK$2,662/mo
Today · 4.125%
HK$103,147
baseline
▲ 0.50% · 4.625%
HK$108,584
+HK$5,437/mo
Deposit HK$2.14M · loan HK$19.29M · min. income ≈ HK$206,294/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$893,158 · Scale 2, in force from 26 Feb 2026)