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$48,837
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$50,356
−HK$1,544/mo
Today · 4.125%
HK$51,900
baseline
▲ 0.50% · 4.625%
HK$55,058
+HK$3,158/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$103,800/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$891,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,331
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$55,788
−HK$1,478/mo
Today · 4.125%
HK$57,266
baseline
▲ 0.50% · 4.625%
HK$60,285
+HK$3,019/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$114,532/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$891,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,605
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$60,427
−HK$1,853/mo
Today · 4.125%
HK$62,280
baseline
▲ 0.50% · 4.625%
HK$66,069
+HK$3,789/mo
Deposit HK$8.57M · loan HK$12.85M · min. income ≈ HK$124,560/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$891,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,197
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$66,945
−HK$1,774/mo
Today · 4.125%
HK$68,719
baseline
▲ 0.50% · 4.625%
HK$72,342
+HK$3,623/mo
Deposit HK$8.57M · loan HK$12.85M · min. income ≈ HK$137,438/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$891,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,372
−HK$4,287/mo
▼ 0.25% · 3.875%
HK$70,499
−HK$2,160/mo
Today · 4.125%
HK$72,659
baseline
▲ 0.50% · 4.625%
HK$77,081
+HK$4,422/mo
Deposit HK$6.43M · loan HK$14.99M · min. income ≈ HK$145,318/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$891,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,063
−HK$4,110/mo
▼ 0.25% · 3.875%
HK$78,103
−HK$2,070/mo
Today · 4.125%
HK$80,173
baseline
▲ 0.50% · 4.625%
HK$84,399
+HK$4,226/mo
Deposit HK$6.43M · loan HK$14.99M · min. income ≈ HK$160,346/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$891,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,907
−HK$5,512/mo
▼ 0.25% · 3.875%
HK$90,641
−HK$2,778/mo
Today · 4.125%
HK$93,419
baseline
▲ 0.50% · 4.625%
HK$99,104
+HK$5,685/mo
Deposit HK$2.14M · loan HK$19.28M · min. income ≈ HK$186,838/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$891,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,795
−HK$5,284/mo
▼ 0.25% · 3.875%
HK$100,418
−HK$2,661/mo
Today · 4.125%
HK$103,079
baseline
▲ 0.50% · 4.625%
HK$108,512
+HK$5,433/mo
Deposit HK$2.14M · loan HK$19.28M · min. income ≈ HK$206,158/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$891,738 · Scale 2, in force from 26 Feb 2026)