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$48,939
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$50,461
−HK$1,547/mo
Today · 4.125%
HK$52,008
baseline
▲ 0.50% · 4.625%
HK$55,173
+HK$3,165/mo
Deposit HK$10.73M · loan HK$10.73M · min. income ≈ HK$104,016/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$896,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,444
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$55,904
−HK$1,482/mo
Today · 4.125%
HK$57,386
baseline
▲ 0.50% · 4.625%
HK$60,411
+HK$3,025/mo
Deposit HK$10.73M · loan HK$10.73M · min. income ≈ HK$114,772/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$896,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,727
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$60,554
−HK$1,856/mo
Today · 4.125%
HK$62,410
baseline
▲ 0.50% · 4.625%
HK$66,207
+HK$3,797/mo
Deposit HK$8.58M · loan HK$12.88M · min. income ≈ HK$124,820/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$896,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,333
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$67,085
−HK$1,778/mo
Today · 4.125%
HK$68,863
baseline
▲ 0.50% · 4.625%
HK$72,493
+HK$3,630/mo
Deposit HK$8.58M · loan HK$12.88M · min. income ≈ HK$137,726/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$896,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,515
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$70,646
−HK$2,165/mo
Today · 4.125%
HK$72,811
baseline
▲ 0.50% · 4.625%
HK$77,242
+HK$4,431/mo
Deposit HK$6.44M · loan HK$15.02M · min. income ≈ HK$145,622/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$896,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,222
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$78,266
−HK$2,074/mo
Today · 4.125%
HK$80,340
baseline
▲ 0.50% · 4.625%
HK$84,575
+HK$4,235/mo
Deposit HK$6.44M · loan HK$15.02M · min. income ≈ HK$160,680/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$896,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,090
−HK$5,524/mo
▼ 0.25% · 3.875%
HK$90,831
−HK$2,783/mo
Today · 4.125%
HK$93,614
baseline
▲ 0.50% · 4.625%
HK$99,311
+HK$5,697/mo
Deposit HK$2.15M · loan HK$19.32M · min. income ≈ HK$187,228/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$896,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,000
−HK$5,294/mo
▼ 0.25% · 3.875%
HK$100,628
−HK$2,666/mo
Today · 4.125%
HK$103,294
baseline
▲ 0.50% · 4.625%
HK$108,739
+HK$5,445/mo
Deposit HK$2.15M · loan HK$19.32M · min. income ≈ HK$206,588/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$896,211 · Scale 2, in force from 26 Feb 2026)