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$49,324
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$50,858
−HK$1,559/mo
Today · 4.125%
HK$52,417
baseline
▲ 0.50% · 4.625%
HK$55,606
+HK$3,189/mo
Deposit HK$10.82M · loan HK$10.82M · min. income ≈ HK$104,834/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$913,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,872
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$56,344
−HK$1,493/mo
Today · 4.125%
HK$57,837
baseline
▲ 0.50% · 4.625%
HK$60,885
+HK$3,048/mo
Deposit HK$10.82M · loan HK$10.82M · min. income ≈ HK$115,674/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$913,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,188
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$61,029
−HK$1,871/mo
Today · 4.125%
HK$62,900
baseline
▲ 0.50% · 4.625%
HK$66,727
+HK$3,827/mo
Deposit HK$8.65M · loan HK$12.98M · min. income ≈ HK$125,800/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$913,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,846
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$67,612
−HK$1,792/mo
Today · 4.125%
HK$69,404
baseline
▲ 0.50% · 4.625%
HK$73,062
+HK$3,658/mo
Deposit HK$8.65M · loan HK$12.98M · min. income ≈ HK$138,808/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$913,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,053
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$71,201
−HK$2,182/mo
Today · 4.125%
HK$73,383
baseline
▲ 0.50% · 4.625%
HK$77,848
+HK$4,465/mo
Deposit HK$6.49M · loan HK$15.14M · min. income ≈ HK$146,766/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$913,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,821
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$78,881
−HK$2,090/mo
Today · 4.125%
HK$80,971
baseline
▲ 0.50% · 4.625%
HK$85,239
+HK$4,268/mo
Deposit HK$6.49M · loan HK$15.14M · min. income ≈ HK$161,942/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$913,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,782
−HK$5,568/mo
▼ 0.25% · 3.875%
HK$91,544
−HK$2,806/mo
Today · 4.125%
HK$94,350
baseline
▲ 0.50% · 4.625%
HK$100,091
+HK$5,741/mo
Deposit HK$2.16M · loan HK$19.47M · min. income ≈ HK$188,700/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$913,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,770
−HK$5,336/mo
▼ 0.25% · 3.875%
HK$101,419
−HK$2,687/mo
Today · 4.125%
HK$104,106
baseline
▲ 0.50% · 4.625%
HK$109,593
+HK$5,487/mo
Deposit HK$2.16M · loan HK$19.47M · min. income ≈ HK$208,212/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$913,072 · Scale 2, in force from 26 Feb 2026)