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$48,826
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$50,344
−HK$1,543/mo
Today · 4.125%
HK$51,887
baseline
▲ 0.50% · 4.625%
HK$55,045
+HK$3,158/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$103,774/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$891,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,318
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$55,775
−HK$1,478/mo
Today · 4.125%
HK$57,253
baseline
▲ 0.50% · 4.625%
HK$60,271
+HK$3,018/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$114,506/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$891,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,591
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$60,413
−HK$1,852/mo
Today · 4.125%
HK$62,265
baseline
▲ 0.50% · 4.625%
HK$66,054
+HK$3,789/mo
Deposit HK$8.56M · loan HK$12.85M · min. income ≈ HK$124,530/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$891,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,182
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$66,930
−HK$1,773/mo
Today · 4.125%
HK$68,703
baseline
▲ 0.50% · 4.625%
HK$72,325
+HK$3,622/mo
Deposit HK$8.56M · loan HK$12.85M · min. income ≈ HK$137,406/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$891,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,356
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$70,482
−HK$2,160/mo
Today · 4.125%
HK$72,642
baseline
▲ 0.50% · 4.625%
HK$77,063
+HK$4,421/mo
Deposit HK$6.42M · loan HK$14.99M · min. income ≈ HK$145,284/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$891,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,045
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$78,085
−HK$2,069/mo
Today · 4.125%
HK$80,154
baseline
▲ 0.50% · 4.625%
HK$84,379
+HK$4,225/mo
Deposit HK$6.42M · loan HK$14.99M · min. income ≈ HK$160,308/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$891,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,886
−HK$5,511/mo
▼ 0.25% · 3.875%
HK$90,620
−HK$2,777/mo
Today · 4.125%
HK$93,397
baseline
▲ 0.50% · 4.625%
HK$99,080
+HK$5,683/mo
Deposit HK$2.14M · loan HK$19.27M · min. income ≈ HK$186,794/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$891,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,772
−HK$5,283/mo
▼ 0.25% · 3.875%
HK$100,395
−HK$2,660/mo
Today · 4.125%
HK$103,055
baseline
▲ 0.50% · 4.625%
HK$108,487
+HK$5,432/mo
Deposit HK$2.14M · loan HK$19.27M · min. income ≈ HK$206,110/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$891,235 · Scale 2, in force from 26 Feb 2026)