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$48,911
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$50,432
−HK$1,546/mo
Today · 4.125%
HK$51,978
baseline
▲ 0.50% · 4.625%
HK$55,141
+HK$3,163/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$103,956/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$894,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,413
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$55,872
−HK$1,481/mo
Today · 4.125%
HK$57,353
baseline
▲ 0.50% · 4.625%
HK$60,376
+HK$3,023/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$114,706/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$894,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,693
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$60,519
−HK$1,855/mo
Today · 4.125%
HK$62,374
baseline
▲ 0.50% · 4.625%
HK$66,169
+HK$3,795/mo
Deposit HK$8.58M · loan HK$12.87M · min. income ≈ HK$124,748/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$894,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,296
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$67,047
−HK$1,776/mo
Today · 4.125%
HK$68,823
baseline
▲ 0.50% · 4.625%
HK$72,451
+HK$3,628/mo
Deposit HK$8.58M · loan HK$12.87M · min. income ≈ HK$137,646/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$894,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,475
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$70,605
−HK$2,164/mo
Today · 4.125%
HK$72,769
baseline
▲ 0.50% · 4.625%
HK$77,197
+HK$4,428/mo
Deposit HK$6.43M · loan HK$15.01M · min. income ≈ HK$145,538/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$894,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,178
−HK$4,116/mo
▼ 0.25% · 3.875%
HK$78,221
−HK$2,073/mo
Today · 4.125%
HK$80,294
baseline
▲ 0.50% · 4.625%
HK$84,526
+HK$4,232/mo
Deposit HK$6.43M · loan HK$15.01M · min. income ≈ HK$160,588/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$894,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,040
−HK$5,521/mo
▼ 0.25% · 3.875%
HK$90,778
−HK$2,783/mo
Today · 4.125%
HK$93,561
baseline
▲ 0.50% · 4.625%
HK$99,254
+HK$5,693/mo
Deposit HK$2.14M · loan HK$19.30M · min. income ≈ HK$187,122/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$894,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,943
−HK$5,292/mo
▼ 0.25% · 3.875%
HK$100,570
−HK$2,665/mo
Today · 4.125%
HK$103,235
baseline
▲ 0.50% · 4.625%
HK$108,677
+HK$5,442/mo
Deposit HK$2.14M · loan HK$19.30M · min. income ≈ HK$206,470/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$894,977 · Scale 2, in force from 26 Feb 2026)