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$48,888
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$50,409
−HK$1,545/mo
Today · 4.125%
HK$51,954
baseline
▲ 0.50% · 4.625%
HK$55,115
+HK$3,161/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$103,908/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$893,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,388
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$55,846
−HK$1,480/mo
Today · 4.125%
HK$57,326
baseline
▲ 0.50% · 4.625%
HK$60,348
+HK$3,022/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$114,652/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$893,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,666
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$60,491
−HK$1,854/mo
Today · 4.125%
HK$62,345
baseline
▲ 0.50% · 4.625%
HK$66,138
+HK$3,793/mo
Deposit HK$8.58M · loan HK$12.86M · min. income ≈ HK$124,690/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$893,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,265
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$67,016
−HK$1,775/mo
Today · 4.125%
HK$68,791
baseline
▲ 0.50% · 4.625%
HK$72,417
+HK$3,626/mo
Deposit HK$8.58M · loan HK$12.86M · min. income ≈ HK$137,582/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$893,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,444
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$70,573
−HK$2,163/mo
Today · 4.125%
HK$72,736
baseline
▲ 0.50% · 4.625%
HK$77,161
+HK$4,425/mo
Deposit HK$6.43M · loan HK$15.01M · min. income ≈ HK$145,472/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$893,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,143
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$78,185
−HK$2,072/mo
Today · 4.125%
HK$80,257
baseline
▲ 0.50% · 4.625%
HK$84,487
+HK$4,230/mo
Deposit HK$6.43M · loan HK$15.01M · min. income ≈ HK$160,514/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$893,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,999
−HK$5,518/mo
▼ 0.25% · 3.875%
HK$90,736
−HK$2,781/mo
Today · 4.125%
HK$93,517
baseline
▲ 0.50% · 4.625%
HK$99,208
+HK$5,691/mo
Deposit HK$2.14M · loan HK$19.30M · min. income ≈ HK$187,034/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$893,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,898
−HK$5,289/mo
▼ 0.25% · 3.875%
HK$100,523
−HK$2,664/mo
Today · 4.125%
HK$103,187
baseline
▲ 0.50% · 4.625%
HK$108,626
+HK$5,439/mo
Deposit HK$2.14M · loan HK$19.30M · min. income ≈ HK$206,374/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$893,982 · Scale 2, in force from 26 Feb 2026)