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$48,928
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$50,450
−HK$1,547/mo
Today · 4.125%
HK$51,997
baseline
▲ 0.50% · 4.625%
HK$55,160
+HK$3,163/mo
Deposit HK$10.73M · loan HK$10.73M · min. income ≈ HK$103,994/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$895,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,432
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$55,892
−HK$1,481/mo
Today · 4.125%
HK$57,373
baseline
▲ 0.50% · 4.625%
HK$60,397
+HK$3,024/mo
Deposit HK$10.73M · loan HK$10.73M · min. income ≈ HK$114,746/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$895,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,714
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$60,540
−HK$1,856/mo
Today · 4.125%
HK$62,396
baseline
▲ 0.50% · 4.625%
HK$66,193
+HK$3,797/mo
Deposit HK$8.58M · loan HK$12.87M · min. income ≈ HK$124,792/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$895,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,319
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$67,071
−HK$1,777/mo
Today · 4.125%
HK$68,848
baseline
▲ 0.50% · 4.625%
HK$72,477
+HK$3,629/mo
Deposit HK$8.58M · loan HK$12.87M · min. income ≈ HK$137,696/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$895,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,500
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$70,630
−HK$2,165/mo
Today · 4.125%
HK$72,795
baseline
▲ 0.50% · 4.625%
HK$77,225
+HK$4,430/mo
Deposit HK$6.44M · loan HK$15.02M · min. income ≈ HK$145,590/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$895,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,205
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$78,249
−HK$2,073/mo
Today · 4.125%
HK$80,322
baseline
▲ 0.50% · 4.625%
HK$84,556
+HK$4,234/mo
Deposit HK$6.44M · loan HK$15.02M · min. income ≈ HK$160,644/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$895,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,071
−HK$5,523/mo
▼ 0.25% · 3.875%
HK$90,811
−HK$2,783/mo
Today · 4.125%
HK$93,594
baseline
▲ 0.50% · 4.625%
HK$99,289
+HK$5,695/mo
Deposit HK$2.15M · loan HK$19.31M · min. income ≈ HK$187,188/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$895,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,978
−HK$5,294/mo
▼ 0.25% · 3.875%
HK$100,606
−HK$2,666/mo
Today · 4.125%
HK$103,272
baseline
▲ 0.50% · 4.625%
HK$108,715
+HK$5,443/mo
Deposit HK$2.15M · loan HK$19.31M · min. income ≈ HK$206,544/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$895,741 · Scale 2, in force from 26 Feb 2026)