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$48,902
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$50,424
−HK$1,545/mo
Today · 4.125%
HK$51,969
baseline
▲ 0.50% · 4.625%
HK$55,131
+HK$3,162/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$103,938/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$894,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,404
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$55,863
−HK$1,480/mo
Today · 4.125%
HK$57,343
baseline
▲ 0.50% · 4.625%
HK$60,365
+HK$3,022/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$114,686/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$894,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,683
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$60,508
−HK$1,855/mo
Today · 4.125%
HK$62,363
baseline
▲ 0.50% · 4.625%
HK$66,158
+HK$3,795/mo
Deposit HK$8.58M · loan HK$12.87M · min. income ≈ HK$124,726/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$894,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,284
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$67,035
−HK$1,776/mo
Today · 4.125%
HK$68,811
baseline
▲ 0.50% · 4.625%
HK$72,438
+HK$3,627/mo
Deposit HK$8.58M · loan HK$12.87M · min. income ≈ HK$137,622/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$894,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,463
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$70,593
−HK$2,164/mo
Today · 4.125%
HK$72,757
baseline
▲ 0.50% · 4.625%
HK$77,184
+HK$4,427/mo
Deposit HK$6.43M · loan HK$15.01M · min. income ≈ HK$145,514/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$894,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,165
−HK$4,115/mo
▼ 0.25% · 3.875%
HK$78,208
−HK$2,072/mo
Today · 4.125%
HK$80,280
baseline
▲ 0.50% · 4.625%
HK$84,512
+HK$4,232/mo
Deposit HK$6.43M · loan HK$15.01M · min. income ≈ HK$160,560/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$894,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,024
−HK$5,520/mo
▼ 0.25% · 3.875%
HK$90,763
−HK$2,781/mo
Today · 4.125%
HK$93,544
baseline
▲ 0.50% · 4.625%
HK$99,236
+HK$5,692/mo
Deposit HK$2.14M · loan HK$19.30M · min. income ≈ HK$187,088/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$894,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,926
−HK$5,291/mo
▼ 0.25% · 3.875%
HK$100,553
−HK$2,664/mo
Today · 4.125%
HK$103,217
baseline
▲ 0.50% · 4.625%
HK$108,658
+HK$5,441/mo
Deposit HK$2.14M · loan HK$19.30M · min. income ≈ HK$206,434/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$894,606 · Scale 2, in force from 26 Feb 2026)