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$48,941
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$50,464
−HK$1,546/mo
Today · 4.125%
HK$52,010
baseline
▲ 0.50% · 4.625%
HK$55,175
+HK$3,165/mo
Deposit HK$10.73M · loan HK$10.73M · min. income ≈ HK$104,020/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$896,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,447
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$55,907
−HK$1,481/mo
Today · 4.125%
HK$57,388
baseline
▲ 0.50% · 4.625%
HK$60,413
+HK$3,025/mo
Deposit HK$10.73M · loan HK$10.73M · min. income ≈ HK$114,776/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$896,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,729
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$60,556
−HK$1,856/mo
Today · 4.125%
HK$62,412
baseline
▲ 0.50% · 4.625%
HK$66,210
+HK$3,798/mo
Deposit HK$8.59M · loan HK$12.88M · min. income ≈ HK$124,824/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$896,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,336
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$67,088
−HK$1,778/mo
Today · 4.125%
HK$68,866
baseline
▲ 0.50% · 4.625%
HK$72,496
+HK$3,630/mo
Deposit HK$8.59M · loan HK$12.88M · min. income ≈ HK$137,732/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$896,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,518
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$70,649
−HK$2,165/mo
Today · 4.125%
HK$72,814
baseline
▲ 0.50% · 4.625%
HK$77,245
+HK$4,431/mo
Deposit HK$6.44M · loan HK$15.02M · min. income ≈ HK$145,628/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$896,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,225
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$78,270
−HK$2,073/mo
Today · 4.125%
HK$80,343
baseline
▲ 0.50% · 4.625%
HK$84,579
+HK$4,236/mo
Deposit HK$6.44M · loan HK$15.02M · min. income ≈ HK$160,686/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$896,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,094
−HK$5,524/mo
▼ 0.25% · 3.875%
HK$90,834
−HK$2,784/mo
Today · 4.125%
HK$93,618
baseline
▲ 0.50% · 4.625%
HK$99,315
+HK$5,697/mo
Deposit HK$2.15M · loan HK$19.32M · min. income ≈ HK$187,236/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$896,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,004
−HK$5,295/mo
▼ 0.25% · 3.875%
HK$100,632
−HK$2,667/mo
Today · 4.125%
HK$103,299
baseline
▲ 0.50% · 4.625%
HK$108,744
+HK$5,445/mo
Deposit HK$2.15M · loan HK$19.32M · min. income ≈ HK$206,598/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$896,304 · Scale 2, in force from 26 Feb 2026)