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$48,943
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$50,465
−HK$1,547/mo
Today · 4.125%
HK$52,012
baseline
▲ 0.50% · 4.625%
HK$55,177
+HK$3,165/mo
Deposit HK$10.73M · loan HK$10.73M · min. income ≈ HK$104,024/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$896,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,448
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$55,909
−HK$1,481/mo
Today · 4.125%
HK$57,390
baseline
▲ 0.50% · 4.625%
HK$60,415
+HK$3,025/mo
Deposit HK$10.73M · loan HK$10.73M · min. income ≈ HK$114,780/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$896,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,731
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$60,558
−HK$1,856/mo
Today · 4.125%
HK$62,414
baseline
▲ 0.50% · 4.625%
HK$66,212
+HK$3,798/mo
Deposit HK$8.59M · loan HK$12.88M · min. income ≈ HK$124,828/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$896,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,338
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$67,090
−HK$1,778/mo
Today · 4.125%
HK$68,868
baseline
▲ 0.50% · 4.625%
HK$72,498
+HK$3,630/mo
Deposit HK$8.59M · loan HK$12.88M · min. income ≈ HK$137,736/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$896,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,520
−HK$4,297/mo
▼ 0.25% · 3.875%
HK$70,651
−HK$2,166/mo
Today · 4.125%
HK$72,817
baseline
▲ 0.50% · 4.625%
HK$77,247
+HK$4,430/mo
Deposit HK$6.44M · loan HK$15.02M · min. income ≈ HK$145,634/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$896,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,228
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$78,272
−HK$2,074/mo
Today · 4.125%
HK$80,346
baseline
▲ 0.50% · 4.625%
HK$84,581
+HK$4,235/mo
Deposit HK$6.44M · loan HK$15.02M · min. income ≈ HK$160,692/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$896,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,097
−HK$5,524/mo
▼ 0.25% · 3.875%
HK$90,837
−HK$2,784/mo
Today · 4.125%
HK$93,621
baseline
▲ 0.50% · 4.625%
HK$99,318
+HK$5,697/mo
Deposit HK$2.15M · loan HK$19.32M · min. income ≈ HK$187,242/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$896,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,007
−HK$5,295/mo
▼ 0.25% · 3.875%
HK$100,636
−HK$2,666/mo
Today · 4.125%
HK$103,302
baseline
▲ 0.50% · 4.625%
HK$108,747
+HK$5,445/mo
Deposit HK$2.15M · loan HK$19.32M · min. income ≈ HK$206,604/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$896,372 · Scale 2, in force from 26 Feb 2026)