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$48,828
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$50,346
−HK$1,543/mo
Today · 4.125%
HK$51,889
baseline
▲ 0.50% · 4.625%
HK$55,047
+HK$3,158/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$103,778/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$891,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,320
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$55,777
−HK$1,478/mo
Today · 4.125%
HK$57,255
baseline
▲ 0.50% · 4.625%
HK$60,273
+HK$3,018/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$114,510/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$891,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,593
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$60,416
−HK$1,851/mo
Today · 4.125%
HK$62,267
baseline
▲ 0.50% · 4.625%
HK$66,056
+HK$3,789/mo
Deposit HK$8.57M · loan HK$12.85M · min. income ≈ HK$124,534/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$891,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,184
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$66,932
−HK$1,774/mo
Today · 4.125%
HK$68,706
baseline
▲ 0.50% · 4.625%
HK$72,327
+HK$3,621/mo
Deposit HK$8.57M · loan HK$12.85M · min. income ≈ HK$137,412/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$891,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,359
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$70,485
−HK$2,160/mo
Today · 4.125%
HK$72,645
baseline
▲ 0.50% · 4.625%
HK$77,066
+HK$4,421/mo
Deposit HK$6.42M · loan HK$14.99M · min. income ≈ HK$145,290/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$891,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,048
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$78,088
−HK$2,069/mo
Today · 4.125%
HK$80,157
baseline
▲ 0.50% · 4.625%
HK$84,382
+HK$4,225/mo
Deposit HK$6.42M · loan HK$14.99M · min. income ≈ HK$160,314/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$891,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,890
−HK$5,511/mo
▼ 0.25% · 3.875%
HK$90,623
−HK$2,778/mo
Today · 4.125%
HK$93,401
baseline
▲ 0.50% · 4.625%
HK$99,084
+HK$5,683/mo
Deposit HK$2.14M · loan HK$19.27M · min. income ≈ HK$186,802/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$891,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,776
−HK$5,283/mo
▼ 0.25% · 3.875%
HK$100,399
−HK$2,660/mo
Today · 4.125%
HK$103,059
baseline
▲ 0.50% · 4.625%
HK$108,491
+HK$5,432/mo
Deposit HK$2.14M · loan HK$19.27M · min. income ≈ HK$206,118/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$891,318 · Scale 2, in force from 26 Feb 2026)