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$48,937
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$50,459
−HK$1,547/mo
Today · 4.125%
HK$52,006
baseline
▲ 0.50% · 4.625%
HK$55,170
+HK$3,164/mo
Deposit HK$10.73M · loan HK$10.73M · min. income ≈ HK$104,012/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$896,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,442
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$55,902
−HK$1,481/mo
Today · 4.125%
HK$57,383
baseline
▲ 0.50% · 4.625%
HK$60,408
+HK$3,025/mo
Deposit HK$10.73M · loan HK$10.73M · min. income ≈ HK$114,766/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$896,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,724
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$60,551
−HK$1,856/mo
Today · 4.125%
HK$62,407
baseline
▲ 0.50% · 4.625%
HK$66,204
+HK$3,797/mo
Deposit HK$8.58M · loan HK$12.88M · min. income ≈ HK$124,814/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$896,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,330
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$67,083
−HK$1,777/mo
Today · 4.125%
HK$68,860
baseline
▲ 0.50% · 4.625%
HK$72,490
+HK$3,630/mo
Deposit HK$8.58M · loan HK$12.88M · min. income ≈ HK$137,720/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$896,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,512
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$70,643
−HK$2,165/mo
Today · 4.125%
HK$72,808
baseline
▲ 0.50% · 4.625%
HK$77,238
+HK$4,430/mo
Deposit HK$6.44M · loan HK$15.02M · min. income ≈ HK$145,616/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$896,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,219
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$78,263
−HK$2,074/mo
Today · 4.125%
HK$80,337
baseline
▲ 0.50% · 4.625%
HK$84,571
+HK$4,234/mo
Deposit HK$6.44M · loan HK$15.02M · min. income ≈ HK$160,674/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$896,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,087
−HK$5,524/mo
▼ 0.25% · 3.875%
HK$90,827
−HK$2,784/mo
Today · 4.125%
HK$93,611
baseline
▲ 0.50% · 4.625%
HK$99,306
+HK$5,695/mo
Deposit HK$2.15M · loan HK$19.32M · min. income ≈ HK$187,222/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$896,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,996
−HK$5,294/mo
▼ 0.25% · 3.875%
HK$100,624
−HK$2,666/mo
Today · 4.125%
HK$103,290
baseline
▲ 0.50% · 4.625%
HK$108,735
+HK$5,445/mo
Deposit HK$2.15M · loan HK$19.32M · min. income ≈ HK$206,580/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$896,121 · Scale 2, in force from 26 Feb 2026)