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$49,282
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$50,815
−HK$1,557/mo
Today · 4.125%
HK$52,372
baseline
▲ 0.50% · 4.625%
HK$55,559
+HK$3,187/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$104,744/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$911,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,826
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$56,296
−HK$1,492/mo
Today · 4.125%
HK$57,788
baseline
▲ 0.50% · 4.625%
HK$60,834
+HK$3,046/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$115,576/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$911,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,138
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$60,978
−HK$1,869/mo
Today · 4.125%
HK$62,847
baseline
▲ 0.50% · 4.625%
HK$66,671
+HK$3,824/mo
Deposit HK$8.64M · loan HK$12.97M · min. income ≈ HK$125,694/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$911,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,791
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$67,555
−HK$1,790/mo
Today · 4.125%
HK$69,345
baseline
▲ 0.50% · 4.625%
HK$73,000
+HK$3,655/mo
Deposit HK$8.64M · loan HK$12.97M · min. income ≈ HK$138,690/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$911,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,995
−HK$4,326/mo
▼ 0.25% · 3.875%
HK$71,141
−HK$2,180/mo
Today · 4.125%
HK$73,321
baseline
▲ 0.50% · 4.625%
HK$77,782
+HK$4,461/mo
Deposit HK$6.48M · loan HK$15.13M · min. income ≈ HK$146,642/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$911,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,756
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$78,814
−HK$2,089/mo
Today · 4.125%
HK$80,903
baseline
▲ 0.50% · 4.625%
HK$85,167
+HK$4,264/mo
Deposit HK$6.48M · loan HK$15.13M · min. income ≈ HK$161,806/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$911,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,707
−HK$5,563/mo
▼ 0.25% · 3.875%
HK$91,467
−HK$2,803/mo
Today · 4.125%
HK$94,270
baseline
▲ 0.50% · 4.625%
HK$100,006
+HK$5,736/mo
Deposit HK$2.16M · loan HK$19.45M · min. income ≈ HK$188,540/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$911,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,686
−HK$5,332/mo
▼ 0.25% · 3.875%
HK$101,333
−HK$2,685/mo
Today · 4.125%
HK$104,018
baseline
▲ 0.50% · 4.625%
HK$109,501
+HK$5,483/mo
Deposit HK$2.16M · loan HK$19.45M · min. income ≈ HK$208,036/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$911,240 · Scale 2, in force from 26 Feb 2026)