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$49,186
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$50,716
−HK$1,554/mo
Today · 4.125%
HK$52,270
baseline
▲ 0.50% · 4.625%
HK$55,451
+HK$3,181/mo
Deposit HK$10.79M · loan HK$10.79M · min. income ≈ HK$104,540/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$907,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,719
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$56,186
−HK$1,489/mo
Today · 4.125%
HK$57,675
baseline
▲ 0.50% · 4.625%
HK$60,715
+HK$3,040/mo
Deposit HK$10.79M · loan HK$10.79M · min. income ≈ HK$115,350/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$907,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,023
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$60,859
−HK$1,865/mo
Today · 4.125%
HK$62,724
baseline
▲ 0.50% · 4.625%
HK$66,541
+HK$3,817/mo
Deposit HK$8.63M · loan HK$12.94M · min. income ≈ HK$125,448/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$907,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,663
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$67,424
−HK$1,786/mo
Today · 4.125%
HK$69,210
baseline
▲ 0.50% · 4.625%
HK$72,858
+HK$3,648/mo
Deposit HK$8.63M · loan HK$12.94M · min. income ≈ HK$138,420/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$907,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,860
−HK$4,319/mo
▼ 0.25% · 3.875%
HK$71,002
−HK$2,177/mo
Today · 4.125%
HK$73,179
baseline
▲ 0.50% · 4.625%
HK$77,631
+HK$4,452/mo
Deposit HK$6.47M · loan HK$15.10M · min. income ≈ HK$146,358/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$907,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,606
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$78,661
−HK$2,084/mo
Today · 4.125%
HK$80,745
baseline
▲ 0.50% · 4.625%
HK$85,001
+HK$4,256/mo
Deposit HK$6.47M · loan HK$15.10M · min. income ≈ HK$161,490/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$907,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,535
−HK$5,552/mo
▼ 0.25% · 3.875%
HK$91,289
−HK$2,798/mo
Today · 4.125%
HK$94,087
baseline
▲ 0.50% · 4.625%
HK$99,812
+HK$5,725/mo
Deposit HK$2.16M · loan HK$19.41M · min. income ≈ HK$188,174/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$907,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,494
−HK$5,321/mo
▼ 0.25% · 3.875%
HK$101,136
−HK$2,679/mo
Today · 4.125%
HK$103,815
baseline
▲ 0.50% · 4.625%
HK$109,288
+HK$5,473/mo
Deposit HK$2.16M · loan HK$19.41M · min. income ≈ HK$207,630/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$907,038 · Scale 2, in force from 26 Feb 2026)