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$48,955
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$50,477
−HK$1,548/mo
Today · 4.125%
HK$52,025
baseline
▲ 0.50% · 4.625%
HK$55,190
+HK$3,165/mo
Deposit HK$10.73M · loan HK$10.73M · min. income ≈ HK$104,050/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$896,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,462
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$55,922
−HK$1,482/mo
Today · 4.125%
HK$57,404
baseline
▲ 0.50% · 4.625%
HK$60,430
+HK$3,026/mo
Deposit HK$10.73M · loan HK$10.73M · min. income ≈ HK$114,808/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$896,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,746
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$60,573
−HK$1,856/mo
Today · 4.125%
HK$62,429
baseline
▲ 0.50% · 4.625%
HK$66,228
+HK$3,799/mo
Deposit HK$8.59M · loan HK$12.88M · min. income ≈ HK$124,858/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$896,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,354
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$67,107
−HK$1,778/mo
Today · 4.125%
HK$68,885
baseline
▲ 0.50% · 4.625%
HK$72,516
+HK$3,631/mo
Deposit HK$8.59M · loan HK$12.88M · min. income ≈ HK$137,770/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$896,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,537
−HK$4,297/mo
▼ 0.25% · 3.875%
HK$70,668
−HK$2,166/mo
Today · 4.125%
HK$72,834
baseline
▲ 0.50% · 4.625%
HK$77,266
+HK$4,432/mo
Deposit HK$6.44M · loan HK$15.03M · min. income ≈ HK$145,668/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$896,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,246
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$78,291
−HK$2,075/mo
Today · 4.125%
HK$80,366
baseline
▲ 0.50% · 4.625%
HK$84,602
+HK$4,236/mo
Deposit HK$6.44M · loan HK$15.03M · min. income ≈ HK$160,732/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$896,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,118
−HK$5,526/mo
▼ 0.25% · 3.875%
HK$90,859
−HK$2,785/mo
Today · 4.125%
HK$93,644
baseline
▲ 0.50% · 4.625%
HK$99,342
+HK$5,698/mo
Deposit HK$2.15M · loan HK$19.32M · min. income ≈ HK$187,288/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$896,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,031
−HK$5,296/mo
▼ 0.25% · 3.875%
HK$100,660
−HK$2,667/mo
Today · 4.125%
HK$103,327
baseline
▲ 0.50% · 4.625%
HK$108,774
+HK$5,447/mo
Deposit HK$2.15M · loan HK$19.32M · min. income ≈ HK$206,654/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$896,894 · Scale 2, in force from 26 Feb 2026)