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$48,844
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$50,363
−HK$1,544/mo
Today · 4.125%
HK$51,907
baseline
▲ 0.50% · 4.625%
HK$55,065
+HK$3,158/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$103,814/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$892,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,338
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$55,796
−HK$1,478/mo
Today · 4.125%
HK$57,274
baseline
▲ 0.50% · 4.625%
HK$60,293
+HK$3,019/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$114,548/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$892,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,613
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$60,436
−HK$1,852/mo
Today · 4.125%
HK$62,288
baseline
▲ 0.50% · 4.625%
HK$66,078
+HK$3,790/mo
Deposit HK$8.57M · loan HK$12.85M · min. income ≈ HK$124,576/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$892,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,206
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$66,955
−HK$1,774/mo
Today · 4.125%
HK$68,729
baseline
▲ 0.50% · 4.625%
HK$72,352
+HK$3,623/mo
Deposit HK$8.57M · loan HK$12.85M · min. income ≈ HK$137,458/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$892,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,381
−HK$4,288/mo
▼ 0.25% · 3.875%
HK$70,508
−HK$2,161/mo
Today · 4.125%
HK$72,669
baseline
▲ 0.50% · 4.625%
HK$77,091
+HK$4,422/mo
Deposit HK$6.43M · loan HK$14.99M · min. income ≈ HK$145,338/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$892,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,074
−HK$4,110/mo
▼ 0.25% · 3.875%
HK$78,114
−HK$2,070/mo
Today · 4.125%
HK$80,184
baseline
▲ 0.50% · 4.625%
HK$84,410
+HK$4,226/mo
Deposit HK$6.43M · loan HK$14.99M · min. income ≈ HK$160,368/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$892,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,919
−HK$5,513/mo
▼ 0.25% · 3.875%
HK$90,654
−HK$2,778/mo
Today · 4.125%
HK$93,432
baseline
▲ 0.50% · 4.625%
HK$99,117
+HK$5,685/mo
Deposit HK$2.14M · loan HK$19.28M · min. income ≈ HK$186,864/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$892,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,809
−HK$5,284/mo
▼ 0.25% · 3.875%
HK$100,432
−HK$2,661/mo
Today · 4.125%
HK$103,093
baseline
▲ 0.50% · 4.625%
HK$108,527
+HK$5,434/mo
Deposit HK$2.14M · loan HK$19.28M · min. income ≈ HK$206,186/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$892,032 · Scale 2, in force from 26 Feb 2026)