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$48,875
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$50,395
−HK$1,545/mo
Today · 4.125%
HK$51,940
baseline
▲ 0.50% · 4.625%
HK$55,100
+HK$3,160/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$103,880/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$893,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,373
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$55,831
−HK$1,479/mo
Today · 4.125%
HK$57,310
baseline
▲ 0.50% · 4.625%
HK$60,331
+HK$3,021/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$114,620/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$893,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,650
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$60,474
−HK$1,854/mo
Today · 4.125%
HK$62,328
baseline
▲ 0.50% · 4.625%
HK$66,120
+HK$3,792/mo
Deposit HK$8.57M · loan HK$12.86M · min. income ≈ HK$124,656/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$893,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,247
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$66,997
−HK$1,775/mo
Today · 4.125%
HK$68,772
baseline
▲ 0.50% · 4.625%
HK$72,397
+HK$3,625/mo
Deposit HK$8.57M · loan HK$12.86M · min. income ≈ HK$137,544/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$893,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,425
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$70,553
−HK$2,162/mo
Today · 4.125%
HK$72,715
baseline
▲ 0.50% · 4.625%
HK$77,140
+HK$4,425/mo
Deposit HK$6.43M · loan HK$15.00M · min. income ≈ HK$145,430/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$893,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,122
−HK$4,112/mo
▼ 0.25% · 3.875%
HK$78,163
−HK$2,071/mo
Today · 4.125%
HK$80,234
baseline
▲ 0.50% · 4.625%
HK$84,464
+HK$4,230/mo
Deposit HK$6.43M · loan HK$15.00M · min. income ≈ HK$160,468/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$893,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,975
−HK$5,516/mo
▼ 0.25% · 3.875%
HK$90,711
−HK$2,780/mo
Today · 4.125%
HK$93,491
baseline
▲ 0.50% · 4.625%
HK$99,180
+HK$5,689/mo
Deposit HK$2.14M · loan HK$19.29M · min. income ≈ HK$186,982/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$893,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,871
−HK$5,287/mo
▼ 0.25% · 3.875%
HK$100,496
−HK$2,662/mo
Today · 4.125%
HK$103,158
baseline
▲ 0.50% · 4.625%
HK$108,596
+HK$5,438/mo
Deposit HK$2.14M · loan HK$19.29M · min. income ≈ HK$206,316/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$893,389 · Scale 2, in force from 26 Feb 2026)