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$48,905
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$50,426
−HK$1,546/mo
Today · 4.125%
HK$51,972
baseline
▲ 0.50% · 4.625%
HK$55,134
+HK$3,162/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$103,944/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$894,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,406
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$55,865
−HK$1,481/mo
Today · 4.125%
HK$57,346
baseline
▲ 0.50% · 4.625%
HK$60,368
+HK$3,022/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$114,692/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$894,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,686
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$60,511
−HK$1,855/mo
Today · 4.125%
HK$62,366
baseline
▲ 0.50% · 4.625%
HK$66,161
+HK$3,795/mo
Deposit HK$8.58M · loan HK$12.87M · min. income ≈ HK$124,732/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$894,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,287
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$67,038
−HK$1,777/mo
Today · 4.125%
HK$68,815
baseline
▲ 0.50% · 4.625%
HK$72,442
+HK$3,627/mo
Deposit HK$8.58M · loan HK$12.87M · min. income ≈ HK$137,630/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$894,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,467
−HK$4,293/mo
▼ 0.25% · 3.875%
HK$70,597
−HK$2,163/mo
Today · 4.125%
HK$72,760
baseline
▲ 0.50% · 4.625%
HK$77,188
+HK$4,428/mo
Deposit HK$6.43M · loan HK$15.01M · min. income ≈ HK$145,520/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$894,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,169
−HK$4,115/mo
▼ 0.25% · 3.875%
HK$78,212
−HK$2,072/mo
Today · 4.125%
HK$80,284
baseline
▲ 0.50% · 4.625%
HK$84,516
+HK$4,232/mo
Deposit HK$6.43M · loan HK$15.01M · min. income ≈ HK$160,568/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$894,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,029
−HK$5,520/mo
▼ 0.25% · 3.875%
HK$90,767
−HK$2,782/mo
Today · 4.125%
HK$93,549
baseline
▲ 0.50% · 4.625%
HK$99,241
+HK$5,692/mo
Deposit HK$2.14M · loan HK$19.30M · min. income ≈ HK$187,098/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$894,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,931
−HK$5,291/mo
▼ 0.25% · 3.875%
HK$100,558
−HK$2,664/mo
Today · 4.125%
HK$103,222
baseline
▲ 0.50% · 4.625%
HK$108,663
+HK$5,441/mo
Deposit HK$2.14M · loan HK$19.30M · min. income ≈ HK$206,444/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$894,712 · Scale 2, in force from 26 Feb 2026)