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$49,315
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$50,849
−HK$1,559/mo
Today · 4.125%
HK$52,408
baseline
▲ 0.50% · 4.625%
HK$55,596
+HK$3,188/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$104,816/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$912,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,863
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$56,334
−HK$1,493/mo
Today · 4.125%
HK$57,827
baseline
▲ 0.50% · 4.625%
HK$60,875
+HK$3,048/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$115,654/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$912,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,178
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$61,019
−HK$1,870/mo
Today · 4.125%
HK$62,889
baseline
▲ 0.50% · 4.625%
HK$66,716
+HK$3,827/mo
Deposit HK$8.65M · loan HK$12.98M · min. income ≈ HK$125,778/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$912,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,835
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$67,601
−HK$1,791/mo
Today · 4.125%
HK$69,392
baseline
▲ 0.50% · 4.625%
HK$73,050
+HK$3,658/mo
Deposit HK$8.65M · loan HK$12.98M · min. income ≈ HK$138,784/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$912,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,041
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$71,189
−HK$2,182/mo
Today · 4.125%
HK$73,371
baseline
▲ 0.50% · 4.625%
HK$77,835
+HK$4,464/mo
Deposit HK$6.49M · loan HK$15.14M · min. income ≈ HK$146,742/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$912,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,808
−HK$4,149/mo
▼ 0.25% · 3.875%
HK$78,867
−HK$2,090/mo
Today · 4.125%
HK$80,957
baseline
▲ 0.50% · 4.625%
HK$85,225
+HK$4,268/mo
Deposit HK$6.49M · loan HK$15.14M · min. income ≈ HK$161,914/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$912,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,767
−HK$5,567/mo
▼ 0.25% · 3.875%
HK$91,528
−HK$2,806/mo
Today · 4.125%
HK$94,334
baseline
▲ 0.50% · 4.625%
HK$100,074
+HK$5,740/mo
Deposit HK$2.16M · loan HK$19.46M · min. income ≈ HK$188,668/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$912,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,753
−HK$5,335/mo
▼ 0.25% · 3.875%
HK$101,401
−HK$2,687/mo
Today · 4.125%
HK$104,088
baseline
▲ 0.50% · 4.625%
HK$109,574
+HK$5,486/mo
Deposit HK$2.16M · loan HK$19.46M · min. income ≈ HK$208,176/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$912,698 · Scale 2, in force from 26 Feb 2026)