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$48,920
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$50,441
−HK$1,546/mo
Today · 4.125%
HK$51,987
baseline
▲ 0.50% · 4.625%
HK$55,151
+HK$3,164/mo
Deposit HK$10.73M · loan HK$10.73M · min. income ≈ HK$103,974/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$895,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,423
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$55,882
−HK$1,481/mo
Today · 4.125%
HK$57,363
baseline
▲ 0.50% · 4.625%
HK$60,387
+HK$3,024/mo
Deposit HK$10.73M · loan HK$10.73M · min. income ≈ HK$114,726/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$895,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,704
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$60,530
−HK$1,855/mo
Today · 4.125%
HK$62,385
baseline
▲ 0.50% · 4.625%
HK$66,181
+HK$3,796/mo
Deposit HK$8.58M · loan HK$12.87M · min. income ≈ HK$124,770/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$895,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,307
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$67,059
−HK$1,777/mo
Today · 4.125%
HK$68,836
baseline
▲ 0.50% · 4.625%
HK$72,464
+HK$3,628/mo
Deposit HK$8.58M · loan HK$12.87M · min. income ≈ HK$137,672/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$895,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,488
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$70,618
−HK$2,164/mo
Today · 4.125%
HK$72,782
baseline
▲ 0.50% · 4.625%
HK$77,211
+HK$4,429/mo
Deposit HK$6.44M · loan HK$15.02M · min. income ≈ HK$145,564/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$895,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,192
−HK$4,116/mo
▼ 0.25% · 3.875%
HK$78,235
−HK$2,073/mo
Today · 4.125%
HK$80,308
baseline
▲ 0.50% · 4.625%
HK$84,541
+HK$4,233/mo
Deposit HK$6.44M · loan HK$15.02M · min. income ≈ HK$160,616/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$895,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,055
−HK$5,522/mo
▼ 0.25% · 3.875%
HK$90,795
−HK$2,782/mo
Today · 4.125%
HK$93,577
baseline
▲ 0.50% · 4.625%
HK$99,271
+HK$5,694/mo
Deposit HK$2.15M · loan HK$19.31M · min. income ≈ HK$187,154/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$895,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,961
−HK$5,292/mo
▼ 0.25% · 3.875%
HK$100,588
−HK$2,665/mo
Today · 4.125%
HK$103,253
baseline
▲ 0.50% · 4.625%
HK$108,696
+HK$5,443/mo
Deposit HK$2.15M · loan HK$19.31M · min. income ≈ HK$206,506/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$895,360 · Scale 2, in force from 26 Feb 2026)