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$49,352
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$50,888
−HK$1,559/mo
Today · 4.125%
HK$52,447
baseline
▲ 0.50% · 4.625%
HK$55,639
+HK$3,192/mo
Deposit HK$10.82M · loan HK$10.82M · min. income ≈ HK$104,894/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$914,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,904
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$56,377
−HK$1,493/mo
Today · 4.125%
HK$57,870
baseline
▲ 0.50% · 4.625%
HK$60,921
+HK$3,051/mo
Deposit HK$10.82M · loan HK$10.82M · min. income ≈ HK$115,740/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$914,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,223
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$61,065
−HK$1,872/mo
Today · 4.125%
HK$62,937
baseline
▲ 0.50% · 4.625%
HK$66,766
+HK$3,829/mo
Deposit HK$8.66M · loan HK$12.99M · min. income ≈ HK$125,874/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$914,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,885
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$67,652
−HK$1,792/mo
Today · 4.125%
HK$69,444
baseline
▲ 0.50% · 4.625%
HK$73,105
+HK$3,661/mo
Deposit HK$8.66M · loan HK$12.99M · min. income ≈ HK$138,888/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$914,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,093
−HK$4,333/mo
▼ 0.25% · 3.875%
HK$71,243
−HK$2,183/mo
Today · 4.125%
HK$73,426
baseline
▲ 0.50% · 4.625%
HK$77,894
+HK$4,468/mo
Deposit HK$6.49M · loan HK$15.15M · min. income ≈ HK$146,852/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$914,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,866
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$78,927
−HK$2,092/mo
Today · 4.125%
HK$81,019
baseline
▲ 0.50% · 4.625%
HK$85,289
+HK$4,270/mo
Deposit HK$6.49M · loan HK$15.15M · min. income ≈ HK$162,038/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$914,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,834
−HK$5,571/mo
▼ 0.25% · 3.875%
HK$91,598
−HK$2,807/mo
Today · 4.125%
HK$94,405
baseline
▲ 0.50% · 4.625%
HK$100,149
+HK$5,744/mo
Deposit HK$2.16M · loan HK$19.48M · min. income ≈ HK$188,810/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$914,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,827
−HK$5,340/mo
▼ 0.25% · 3.875%
HK$101,478
−HK$2,689/mo
Today · 4.125%
HK$104,167
baseline
▲ 0.50% · 4.625%
HK$109,658
+HK$5,491/mo
Deposit HK$2.16M · loan HK$19.48M · min. income ≈ HK$208,334/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$914,338 · Scale 2, in force from 26 Feb 2026)