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$48,940
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$50,462
−HK$1,547/mo
Today · 4.125%
HK$52,009
baseline
▲ 0.50% · 4.625%
HK$55,173
+HK$3,164/mo
Deposit HK$10.73M · loan HK$10.73M · min. income ≈ HK$104,018/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$896,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,445
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$55,905
−HK$1,481/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$896,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,728
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$60,554
−HK$1,856/mo
Today · 4.125%
HK$62,410
baseline
▲ 0.50% · 4.625%
HK$66,208
+HK$3,798/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$896,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,334
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$67,086
−HK$1,778/mo
Today · 4.125%
HK$68,864
baseline
▲ 0.50% · 4.625%
HK$72,494
+HK$3,630/mo
Deposit HK$8.58M · loan HK$12.88M · min. income ≈ HK$137,728/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$896,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,516
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$70,647
−HK$2,165/mo
Today · 4.125%
HK$72,812
baseline
▲ 0.50% · 4.625%
HK$77,242
+HK$4,430/mo
Deposit HK$6.44M · loan HK$15.02M · min. income ≈ HK$145,624/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$896,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,223
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$78,267
−HK$2,074/mo
Today · 4.125%
HK$80,341
baseline
▲ 0.50% · 4.625%
HK$84,576
+HK$4,235/mo
Deposit HK$6.44M · loan HK$15.02M · min. income ≈ HK$160,682/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$896,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,091
−HK$5,524/mo
▼ 0.25% · 3.875%
HK$90,832
−HK$2,783/mo
Today · 4.125%
HK$93,615
baseline
▲ 0.50% · 4.625%
HK$99,312
+HK$5,697/mo
Deposit HK$2.15M · loan HK$19.32M · min. income ≈ HK$187,230/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$896,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,001
−HK$5,294/mo
▼ 0.25% · 3.875%
HK$100,629
−HK$2,666/mo
Today · 4.125%
HK$103,295
baseline
▲ 0.50% · 4.625%
HK$108,740
+HK$5,445/mo
Deposit HK$2.15M · loan HK$19.32M · min. income ≈ HK$206,590/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$896,235 · Scale 2, in force from 26 Feb 2026)