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$49,219
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$50,750
−HK$1,555/mo
Today · 4.125%
HK$52,305
baseline
▲ 0.50% · 4.625%
HK$55,488
+HK$3,183/mo
Deposit HK$10.79M · loan HK$10.79M · min. income ≈ HK$104,610/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$908,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,755
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$56,224
−HK$1,490/mo
Today · 4.125%
HK$57,714
baseline
▲ 0.50% · 4.625%
HK$60,756
+HK$3,042/mo
Deposit HK$10.79M · loan HK$10.79M · min. income ≈ HK$115,428/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$908,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,063
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$60,900
−HK$1,866/mo
Today · 4.125%
HK$62,766
baseline
▲ 0.50% · 4.625%
HK$66,585
+HK$3,819/mo
Deposit HK$8.63M · loan HK$12.95M · min. income ≈ HK$125,532/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$908,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,706
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$67,469
−HK$1,787/mo
Today · 4.125%
HK$69,256
baseline
▲ 0.50% · 4.625%
HK$72,907
+HK$3,651/mo
Deposit HK$8.63M · loan HK$12.95M · min. income ≈ HK$138,512/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$908,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,906
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$71,050
−HK$2,177/mo
Today · 4.125%
HK$73,227
baseline
▲ 0.50% · 4.625%
HK$77,683
+HK$4,456/mo
Deposit HK$6.48M · loan HK$15.11M · min. income ≈ HK$146,454/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$908,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,658
−HK$4,141/mo
▼ 0.25% · 3.875%
HK$78,713
−HK$2,086/mo
Today · 4.125%
HK$80,799
baseline
▲ 0.50% · 4.625%
HK$85,058
+HK$4,259/mo
Deposit HK$6.48M · loan HK$15.11M · min. income ≈ HK$161,598/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$908,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,594
−HK$5,555/mo
▼ 0.25% · 3.875%
HK$91,350
−HK$2,799/mo
Today · 4.125%
HK$94,149
baseline
▲ 0.50% · 4.625%
HK$99,878
+HK$5,729/mo
Deposit HK$2.16M · loan HK$19.43M · min. income ≈ HK$188,298/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$908,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,560
−HK$5,325/mo
▼ 0.25% · 3.875%
HK$101,203
−HK$2,682/mo
Today · 4.125%
HK$103,885
baseline
▲ 0.50% · 4.625%
HK$109,360
+HK$5,475/mo
Deposit HK$2.16M · loan HK$19.43M · min. income ≈ HK$207,770/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$908,475 · Scale 2, in force from 26 Feb 2026)