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$49,307
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$50,841
−HK$1,558/mo
Today · 4.125%
HK$52,399
baseline
▲ 0.50% · 4.625%
HK$55,588
+HK$3,189/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$104,798/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$912,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,854
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$56,325
−HK$1,492/mo
Today · 4.125%
HK$57,817
baseline
▲ 0.50% · 4.625%
HK$60,865
+HK$3,048/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$115,634/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$912,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,169
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$61,009
−HK$1,870/mo
Today · 4.125%
HK$62,879
baseline
▲ 0.50% · 4.625%
HK$66,705
+HK$3,826/mo
Deposit HK$8.65M · loan HK$12.97M · min. income ≈ HK$125,758/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$912,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,825
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$67,590
−HK$1,791/mo
Today · 4.125%
HK$69,381
baseline
▲ 0.50% · 4.625%
HK$73,038
+HK$3,657/mo
Deposit HK$8.65M · loan HK$12.97M · min. income ≈ HK$138,762/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$912,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,030
−HK$4,329/mo
▼ 0.25% · 3.875%
HK$71,177
−HK$2,182/mo
Today · 4.125%
HK$73,359
baseline
▲ 0.50% · 4.625%
HK$77,823
+HK$4,464/mo
Deposit HK$6.49M · loan HK$15.14M · min. income ≈ HK$146,718/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$912,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,795
−HK$4,149/mo
▼ 0.25% · 3.875%
HK$78,855
−HK$2,089/mo
Today · 4.125%
HK$80,944
baseline
▲ 0.50% · 4.625%
HK$85,211
+HK$4,267/mo
Deposit HK$6.49M · loan HK$15.14M · min. income ≈ HK$161,888/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$912,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,753
−HK$5,566/mo
▼ 0.25% · 3.875%
HK$91,514
−HK$2,805/mo
Today · 4.125%
HK$94,319
baseline
▲ 0.50% · 4.625%
HK$100,058
+HK$5,739/mo
Deposit HK$2.16M · loan HK$19.46M · min. income ≈ HK$188,638/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$912,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,737
−HK$5,334/mo
▼ 0.25% · 3.875%
HK$101,385
−HK$2,686/mo
Today · 4.125%
HK$104,071
baseline
▲ 0.50% · 4.625%
HK$109,557
+HK$5,486/mo
Deposit HK$2.16M · loan HK$19.46M · min. income ≈ HK$208,142/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$912,358 · Scale 2, in force from 26 Feb 2026)