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$48,855
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$50,375
−HK$1,544/mo
Today · 4.125%
HK$51,919
baseline
▲ 0.50% · 4.625%
HK$55,078
+HK$3,159/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$103,838/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$892,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,351
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$55,809
−HK$1,479/mo
Today · 4.125%
HK$57,288
baseline
▲ 0.50% · 4.625%
HK$60,307
+HK$3,019/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$114,576/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$892,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,626
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$60,450
−HK$1,853/mo
Today · 4.125%
HK$62,303
baseline
▲ 0.50% · 4.625%
HK$66,094
+HK$3,791/mo
Deposit HK$8.57M · loan HK$12.86M · min. income ≈ HK$124,606/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$892,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,221
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$66,971
−HK$1,774/mo
Today · 4.125%
HK$68,745
baseline
▲ 0.50% · 4.625%
HK$72,369
+HK$3,624/mo
Deposit HK$8.57M · loan HK$12.86M · min. income ≈ HK$137,490/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$892,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,398
−HK$4,289/mo
▼ 0.25% · 3.875%
HK$70,525
−HK$2,162/mo
Today · 4.125%
HK$72,687
baseline
▲ 0.50% · 4.625%
HK$77,109
+HK$4,422/mo
Deposit HK$6.43M · loan HK$15.00M · min. income ≈ HK$145,374/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$892,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,092
−HK$4,111/mo
▼ 0.25% · 3.875%
HK$78,132
−HK$2,071/mo
Today · 4.125%
HK$80,203
baseline
▲ 0.50% · 4.625%
HK$84,430
+HK$4,227/mo
Deposit HK$6.43M · loan HK$15.00M · min. income ≈ HK$160,406/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$892,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,940
−HK$5,514/mo
▼ 0.25% · 3.875%
HK$90,675
−HK$2,779/mo
Today · 4.125%
HK$93,454
baseline
▲ 0.50% · 4.625%
HK$99,141
+HK$5,687/mo
Deposit HK$2.14M · loan HK$19.28M · min. income ≈ HK$186,908/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$892,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,832
−HK$5,286/mo
▼ 0.25% · 3.875%
HK$100,456
−HK$2,662/mo
Today · 4.125%
HK$103,118
baseline
▲ 0.50% · 4.625%
HK$108,553
+HK$5,435/mo
Deposit HK$2.14M · loan HK$19.28M · min. income ≈ HK$206,236/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$892,540 · Scale 2, in force from 26 Feb 2026)