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$49,119
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$50,647
−HK$1,552/mo
Today · 4.125%
HK$52,199
baseline
▲ 0.50% · 4.625%
HK$55,376
+HK$3,177/mo
Deposit HK$10.77M · loan HK$10.77M · min. income ≈ HK$104,398/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$904,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,645
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$56,110
−HK$1,487/mo
Today · 4.125%
HK$57,597
baseline
▲ 0.50% · 4.625%
HK$60,633
+HK$3,036/mo
Deposit HK$10.77M · loan HK$10.77M · min. income ≈ HK$115,194/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$904,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,943
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$60,776
−HK$1,863/mo
Today · 4.125%
HK$62,639
baseline
▲ 0.50% · 4.625%
HK$66,451
+HK$3,812/mo
Deposit HK$8.62M · loan HK$12.92M · min. income ≈ HK$125,278/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$904,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,573
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$67,332
−HK$1,784/mo
Today · 4.125%
HK$69,116
baseline
▲ 0.50% · 4.625%
HK$72,759
+HK$3,643/mo
Deposit HK$8.62M · loan HK$12.92M · min. income ≈ HK$138,232/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$904,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,767
−HK$4,312/mo
▼ 0.25% · 3.875%
HK$70,906
−HK$2,173/mo
Today · 4.125%
HK$73,079
baseline
▲ 0.50% · 4.625%
HK$77,526
+HK$4,447/mo
Deposit HK$6.46M · loan HK$15.08M · min. income ≈ HK$146,158/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$904,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,502
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$78,554
−HK$2,082/mo
Today · 4.125%
HK$80,636
baseline
▲ 0.50% · 4.625%
HK$84,886
+HK$4,250/mo
Deposit HK$6.46M · loan HK$15.08M · min. income ≈ HK$161,272/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$904,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,414
−HK$5,545/mo
▼ 0.25% · 3.875%
HK$91,165
−HK$2,794/mo
Today · 4.125%
HK$93,959
baseline
▲ 0.50% · 4.625%
HK$99,676
+HK$5,717/mo
Deposit HK$2.15M · loan HK$19.39M · min. income ≈ HK$187,918/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$904,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,360
−HK$5,314/mo
▼ 0.25% · 3.875%
HK$100,998
−HK$2,676/mo
Today · 4.125%
HK$103,674
baseline
▲ 0.50% · 4.625%
HK$109,139
+HK$5,465/mo
Deposit HK$2.15M · loan HK$19.39M · min. income ≈ HK$207,348/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$904,105 · Scale 2, in force from 26 Feb 2026)