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$48,858
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$50,378
−HK$1,544/mo
Today · 4.125%
HK$51,922
baseline
▲ 0.50% · 4.625%
HK$55,081
+HK$3,159/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$103,844/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$892,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,354
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$55,812
−HK$1,479/mo
Today · 4.125%
HK$57,291
baseline
▲ 0.50% · 4.625%
HK$60,311
+HK$3,020/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$114,582/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$892,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,630
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$60,454
−HK$1,852/mo
Today · 4.125%
HK$62,306
baseline
▲ 0.50% · 4.625%
HK$66,098
+HK$3,792/mo
Deposit HK$8.57M · loan HK$12.86M · min. income ≈ HK$124,612/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$892,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,225
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$66,974
−HK$1,775/mo
Today · 4.125%
HK$68,749
baseline
▲ 0.50% · 4.625%
HK$72,373
+HK$3,624/mo
Deposit HK$8.57M · loan HK$12.86M · min. income ≈ HK$137,498/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$892,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,402
−HK$4,289/mo
▼ 0.25% · 3.875%
HK$70,529
−HK$2,162/mo
Today · 4.125%
HK$72,691
baseline
▲ 0.50% · 4.625%
HK$77,114
+HK$4,423/mo
Deposit HK$6.43M · loan HK$15.00M · min. income ≈ HK$145,382/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$892,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,096
−HK$4,111/mo
▼ 0.25% · 3.875%
HK$78,137
−HK$2,070/mo
Today · 4.125%
HK$80,207
baseline
▲ 0.50% · 4.625%
HK$84,435
+HK$4,228/mo
Deposit HK$6.43M · loan HK$15.00M · min. income ≈ HK$160,414/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$892,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,945
−HK$5,515/mo
▼ 0.25% · 3.875%
HK$90,680
−HK$2,780/mo
Today · 4.125%
HK$93,460
baseline
▲ 0.50% · 4.625%
HK$99,147
+HK$5,687/mo
Deposit HK$2.14M · loan HK$19.28M · min. income ≈ HK$186,920/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$892,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,838
−HK$5,286/mo
▼ 0.25% · 3.875%
HK$100,462
−HK$2,662/mo
Today · 4.125%
HK$103,124
baseline
▲ 0.50% · 4.625%
HK$108,559
+HK$5,435/mo
Deposit HK$2.14M · loan HK$19.28M · min. income ≈ HK$206,248/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$892,664 · Scale 2, in force from 26 Feb 2026)