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$48,951
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$50,474
−HK$1,547/mo
Today · 4.125%
HK$52,021
baseline
▲ 0.50% · 4.625%
HK$55,186
+HK$3,165/mo
Deposit HK$10.73M · loan HK$10.73M · min. income ≈ HK$104,042/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$896,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,458
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$55,918
−HK$1,482/mo
Today · 4.125%
HK$57,400
baseline
▲ 0.50% · 4.625%
HK$60,425
+HK$3,025/mo
Deposit HK$10.73M · loan HK$10.73M · min. income ≈ HK$114,800/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$896,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,741
−HK$3,684/mo
▼ 0.25% · 3.875%
HK$60,568
−HK$1,857/mo
Today · 4.125%
HK$62,425
baseline
▲ 0.50% · 4.625%
HK$66,223
+HK$3,798/mo
Deposit HK$8.59M · loan HK$12.88M · min. income ≈ HK$124,850/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$896,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,349
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$67,102
−HK$1,778/mo
Today · 4.125%
HK$68,880
baseline
▲ 0.50% · 4.625%
HK$72,510
+HK$3,630/mo
Deposit HK$8.59M · loan HK$12.88M · min. income ≈ HK$137,760/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$896,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,531
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$70,663
−HK$2,166/mo
Today · 4.125%
HK$72,829
baseline
▲ 0.50% · 4.625%
HK$77,260
+HK$4,431/mo
Deposit HK$6.44M · loan HK$15.03M · min. income ≈ HK$145,658/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$896,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,241
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$78,285
−HK$2,075/mo
Today · 4.125%
HK$80,360
baseline
▲ 0.50% · 4.625%
HK$84,595
+HK$4,235/mo
Deposit HK$6.44M · loan HK$15.03M · min. income ≈ HK$160,720/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$896,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,112
−HK$5,525/mo
▼ 0.25% · 3.875%
HK$90,853
−HK$2,784/mo
Today · 4.125%
HK$93,637
baseline
▲ 0.50% · 4.625%
HK$99,335
+HK$5,698/mo
Deposit HK$2.15M · loan HK$19.32M · min. income ≈ HK$187,274/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$896,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,024
−HK$5,295/mo
▼ 0.25% · 3.875%
HK$100,653
−HK$2,666/mo
Today · 4.125%
HK$103,319
baseline
▲ 0.50% · 4.625%
HK$108,766
+HK$5,447/mo
Deposit HK$2.15M · loan HK$19.32M · min. income ≈ HK$206,638/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$896,734 · Scale 2, in force from 26 Feb 2026)