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$48,845
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$50,365
−HK$1,543/mo
Today · 4.125%
HK$51,908
baseline
▲ 0.50% · 4.625%
HK$55,067
+HK$3,159/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$103,816/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$892,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,340
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$55,797
−HK$1,479/mo
Today · 4.125%
HK$57,276
baseline
▲ 0.50% · 4.625%
HK$60,295
+HK$3,019/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$114,552/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$892,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,614
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$60,438
−HK$1,852/mo
Today · 4.125%
HK$62,290
baseline
▲ 0.50% · 4.625%
HK$66,080
+HK$3,790/mo
Deposit HK$8.57M · loan HK$12.85M · min. income ≈ HK$124,580/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$892,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,208
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$66,957
−HK$1,774/mo
Today · 4.125%
HK$68,731
baseline
▲ 0.50% · 4.625%
HK$72,354
+HK$3,623/mo
Deposit HK$8.57M · loan HK$12.85M · min. income ≈ HK$137,462/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$892,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,384
−HK$4,288/mo
▼ 0.25% · 3.875%
HK$70,511
−HK$2,161/mo
Today · 4.125%
HK$72,672
baseline
▲ 0.50% · 4.625%
HK$77,094
+HK$4,422/mo
Deposit HK$6.43M · loan HK$14.99M · min. income ≈ HK$145,344/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$892,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,076
−HK$4,110/mo
▼ 0.25% · 3.875%
HK$78,116
−HK$2,070/mo
Today · 4.125%
HK$80,186
baseline
▲ 0.50% · 4.625%
HK$84,413
+HK$4,227/mo
Deposit HK$6.43M · loan HK$14.99M · min. income ≈ HK$160,372/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$892,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,922
−HK$5,513/mo
▼ 0.25% · 3.875%
HK$90,657
−HK$2,778/mo
Today · 4.125%
HK$93,435
baseline
▲ 0.50% · 4.625%
HK$99,120
+HK$5,685/mo
Deposit HK$2.14M · loan HK$19.28M · min. income ≈ HK$186,870/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$892,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,812
−HK$5,284/mo
▼ 0.25% · 3.875%
HK$100,435
−HK$2,661/mo
Today · 4.125%
HK$103,096
baseline
▲ 0.50% · 4.625%
HK$108,531
+HK$5,435/mo
Deposit HK$2.14M · loan HK$19.28M · min. income ≈ HK$206,192/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$892,100 · Scale 2, in force from 26 Feb 2026)