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$49,309
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$50,843
−HK$1,558/mo
Today · 4.125%
HK$52,401
baseline
▲ 0.50% · 4.625%
HK$55,590
+HK$3,189/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$104,802/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$912,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,856
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$56,327
−HK$1,493/mo
Today · 4.125%
HK$57,820
baseline
▲ 0.50% · 4.625%
HK$60,867
+HK$3,047/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$115,640/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$912,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,171
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$61,012
−HK$1,870/mo
Today · 4.125%
HK$62,882
baseline
▲ 0.50% · 4.625%
HK$66,708
+HK$3,826/mo
Deposit HK$8.65M · loan HK$12.97M · min. income ≈ HK$125,764/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$912,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,827
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$67,593
−HK$1,791/mo
Today · 4.125%
HK$69,384
baseline
▲ 0.50% · 4.625%
HK$73,041
+HK$3,657/mo
Deposit HK$8.65M · loan HK$12.97M · min. income ≈ HK$138,768/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$912,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,033
−HK$4,329/mo
▼ 0.25% · 3.875%
HK$71,180
−HK$2,182/mo
Today · 4.125%
HK$73,362
baseline
▲ 0.50% · 4.625%
HK$77,826
+HK$4,464/mo
Deposit HK$6.49M · loan HK$15.14M · min. income ≈ HK$146,724/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$912,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,798
−HK$4,149/mo
▼ 0.25% · 3.875%
HK$78,858
−HK$2,089/mo
Today · 4.125%
HK$80,947
baseline
▲ 0.50% · 4.625%
HK$85,214
+HK$4,267/mo
Deposit HK$6.49M · loan HK$15.14M · min. income ≈ HK$161,894/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$912,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,756
−HK$5,566/mo
▼ 0.25% · 3.875%
HK$91,517
−HK$2,805/mo
Today · 4.125%
HK$94,322
baseline
▲ 0.50% · 4.625%
HK$100,062
+HK$5,740/mo
Deposit HK$2.16M · loan HK$19.46M · min. income ≈ HK$188,644/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$912,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,741
−HK$5,334/mo
▼ 0.25% · 3.875%
HK$101,389
−HK$2,686/mo
Today · 4.125%
HK$104,075
baseline
▲ 0.50% · 4.625%
HK$109,561
+HK$5,486/mo
Deposit HK$2.16M · loan HK$19.46M · min. income ≈ HK$208,150/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$912,439 · Scale 2, in force from 26 Feb 2026)