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$49,308
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$50,842
−HK$1,558/mo
Today · 4.125%
HK$52,400
baseline
▲ 0.50% · 4.625%
HK$55,588
+HK$3,188/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$104,800/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$912,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,855
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$56,326
−HK$1,492/mo
Today · 4.125%
HK$57,818
baseline
▲ 0.50% · 4.625%
HK$60,866
+HK$3,048/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$115,636/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$912,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,169
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$61,010
−HK$1,870/mo
Today · 4.125%
HK$62,880
baseline
▲ 0.50% · 4.625%
HK$66,706
+HK$3,826/mo
Deposit HK$8.65M · loan HK$12.97M · min. income ≈ HK$125,760/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$912,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,825
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$67,591
−HK$1,791/mo
Today · 4.125%
HK$69,382
baseline
▲ 0.50% · 4.625%
HK$73,039
+HK$3,657/mo
Deposit HK$8.65M · loan HK$12.97M · min. income ≈ HK$138,764/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$912,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,031
−HK$4,329/mo
▼ 0.25% · 3.875%
HK$71,178
−HK$2,182/mo
Today · 4.125%
HK$73,360
baseline
▲ 0.50% · 4.625%
HK$77,824
+HK$4,464/mo
Deposit HK$6.49M · loan HK$15.14M · min. income ≈ HK$146,720/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$912,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,796
−HK$4,149/mo
▼ 0.25% · 3.875%
HK$78,856
−HK$2,089/mo
Today · 4.125%
HK$80,945
baseline
▲ 0.50% · 4.625%
HK$85,212
+HK$4,267/mo
Deposit HK$6.49M · loan HK$15.14M · min. income ≈ HK$161,890/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$912,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,754
−HK$5,566/mo
▼ 0.25% · 3.875%
HK$91,515
−HK$2,805/mo
Today · 4.125%
HK$94,320
baseline
▲ 0.50% · 4.625%
HK$100,059
+HK$5,739/mo
Deposit HK$2.16M · loan HK$19.46M · min. income ≈ HK$188,640/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$912,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,738
−HK$5,335/mo
▼ 0.25% · 3.875%
HK$101,386
−HK$2,687/mo
Today · 4.125%
HK$104,073
baseline
▲ 0.50% · 4.625%
HK$109,558
+HK$5,485/mo
Deposit HK$2.16M · loan HK$19.46M · min. income ≈ HK$208,146/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$912,384 · Scale 2, in force from 26 Feb 2026)