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$49,344
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$50,879
−HK$1,560/mo
Today · 4.125%
HK$52,439
baseline
▲ 0.50% · 4.625%
HK$55,629
+HK$3,190/mo
Deposit HK$10.82M · loan HK$10.82M · min. income ≈ HK$104,878/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$913,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,895
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$56,367
−HK$1,494/mo
Today · 4.125%
HK$57,861
baseline
▲ 0.50% · 4.625%
HK$60,911
+HK$3,050/mo
Deposit HK$10.82M · loan HK$10.82M · min. income ≈ HK$115,722/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$913,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,213
−HK$3,713/mo
▼ 0.25% · 3.875%
HK$61,055
−HK$1,871/mo
Today · 4.125%
HK$62,926
baseline
▲ 0.50% · 4.625%
HK$66,755
+HK$3,829/mo
Deposit HK$8.66M · loan HK$12.98M · min. income ≈ HK$125,852/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$913,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,874
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$67,641
−HK$1,792/mo
Today · 4.125%
HK$69,433
baseline
▲ 0.50% · 4.625%
HK$73,093
+HK$3,660/mo
Deposit HK$8.66M · loan HK$12.98M · min. income ≈ HK$138,866/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$913,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,082
−HK$4,332/mo
▼ 0.25% · 3.875%
HK$71,231
−HK$2,183/mo
Today · 4.125%
HK$73,414
baseline
▲ 0.50% · 4.625%
HK$77,881
+HK$4,467/mo
Deposit HK$6.49M · loan HK$15.15M · min. income ≈ HK$146,828/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$913,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,853
−HK$4,152/mo
▼ 0.25% · 3.875%
HK$78,914
−HK$2,091/mo
Today · 4.125%
HK$81,005
baseline
▲ 0.50% · 4.625%
HK$85,275
+HK$4,270/mo
Deposit HK$6.49M · loan HK$15.15M · min. income ≈ HK$162,010/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$913,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,820
−HK$5,570/mo
▼ 0.25% · 3.875%
HK$91,583
−HK$2,807/mo
Today · 4.125%
HK$94,390
baseline
▲ 0.50% · 4.625%
HK$100,133
+HK$5,743/mo
Deposit HK$2.16M · loan HK$19.48M · min. income ≈ HK$188,780/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$913,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,811
−HK$5,339/mo
▼ 0.25% · 3.875%
HK$101,461
−HK$2,689/mo
Today · 4.125%
HK$104,150
baseline
▲ 0.50% · 4.625%
HK$109,639
+HK$5,489/mo
Deposit HK$2.16M · loan HK$19.48M · min. income ≈ HK$208,300/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$913,982 · Scale 2, in force from 26 Feb 2026)