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$48,859
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$50,378
−HK$1,545/mo
Today · 4.125%
HK$51,923
baseline
▲ 0.50% · 4.625%
HK$55,082
+HK$3,159/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$103,846/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$892,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,355
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$55,813
−HK$1,478/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$892,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,630
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$60,454
−HK$1,853/mo
Today · 4.125%
HK$62,307
baseline
▲ 0.50% · 4.625%
HK$66,098
+HK$3,791/mo
Deposit HK$8.57M · loan HK$12.86M · min. income ≈ HK$124,614/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$892,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,226
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$66,975
−HK$1,775/mo
Today · 4.125%
HK$68,750
baseline
▲ 0.50% · 4.625%
HK$72,374
+HK$3,624/mo
Deposit HK$8.57M · loan HK$12.86M · min. income ≈ HK$137,500/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$892,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,402
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$70,530
−HK$2,162/mo
Today · 4.125%
HK$72,692
baseline
▲ 0.50% · 4.625%
HK$77,115
+HK$4,423/mo
Deposit HK$6.43M · loan HK$15.00M · min. income ≈ HK$145,384/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$892,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,097
−HK$4,111/mo
▼ 0.25% · 3.875%
HK$78,138
−HK$2,070/mo
Today · 4.125%
HK$80,208
baseline
▲ 0.50% · 4.625%
HK$84,436
+HK$4,228/mo
Deposit HK$6.43M · loan HK$15.00M · min. income ≈ HK$160,416/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$892,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,946
−HK$5,515/mo
▼ 0.25% · 3.875%
HK$90,681
−HK$2,780/mo
Today · 4.125%
HK$93,461
baseline
▲ 0.50% · 4.625%
HK$99,147
+HK$5,686/mo
Deposit HK$2.14M · loan HK$19.28M · min. income ≈ HK$186,922/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$892,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,839
−HK$5,285/mo
▼ 0.25% · 3.875%
HK$100,463
−HK$2,661/mo
Today · 4.125%
HK$103,124
baseline
▲ 0.50% · 4.625%
HK$108,560
+HK$5,436/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$892,683 · Scale 2, in force from 26 Feb 2026)