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$49,301
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$50,834
−HK$1,558/mo
Today · 4.125%
HK$52,392
baseline
▲ 0.50% · 4.625%
HK$55,580
+HK$3,188/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$104,784/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$912,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,847
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$56,318
−HK$1,492/mo
Today · 4.125%
HK$57,810
baseline
▲ 0.50% · 4.625%
HK$60,857
+HK$3,047/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$115,620/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$912,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,161
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$61,001
−HK$1,870/mo
Today · 4.125%
HK$62,871
baseline
▲ 0.50% · 4.625%
HK$66,697
+HK$3,826/mo
Deposit HK$8.65M · loan HK$12.97M · min. income ≈ HK$125,742/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$912,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,816
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$67,581
−HK$1,791/mo
Today · 4.125%
HK$69,372
baseline
▲ 0.50% · 4.625%
HK$73,029
+HK$3,657/mo
Deposit HK$8.65M · loan HK$12.97M · min. income ≈ HK$138,744/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$912,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,021
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$71,168
−HK$2,181/mo
Today · 4.125%
HK$73,349
baseline
▲ 0.50% · 4.625%
HK$77,813
+HK$4,464/mo
Deposit HK$6.49M · loan HK$15.13M · min. income ≈ HK$146,698/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$912,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,785
−HK$4,149/mo
▼ 0.25% · 3.875%
HK$78,845
−HK$2,089/mo
Today · 4.125%
HK$80,934
baseline
▲ 0.50% · 4.625%
HK$85,200
+HK$4,266/mo
Deposit HK$6.49M · loan HK$15.13M · min. income ≈ HK$161,868/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$912,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,742
−HK$5,564/mo
▼ 0.25% · 3.875%
HK$91,502
−HK$2,804/mo
Today · 4.125%
HK$94,306
baseline
▲ 0.50% · 4.625%
HK$100,045
+HK$5,739/mo
Deposit HK$2.16M · loan HK$19.46M · min. income ≈ HK$188,612/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$912,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,724
−HK$5,334/mo
▼ 0.25% · 3.875%
HK$101,372
−HK$2,686/mo
Today · 4.125%
HK$104,058
baseline
▲ 0.50% · 4.625%
HK$109,543
+HK$5,485/mo
Deposit HK$2.16M · loan HK$19.46M · min. income ≈ HK$208,116/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$912,077 · Scale 2, in force from 26 Feb 2026)