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$49,211
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$50,742
−HK$1,555/mo
Today · 4.125%
HK$52,297
baseline
▲ 0.50% · 4.625%
HK$55,479
+HK$3,182/mo
Deposit HK$10.79M · loan HK$10.79M · min. income ≈ HK$104,594/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$908,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,747
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$56,215
−HK$1,489/mo
Today · 4.125%
HK$57,704
baseline
▲ 0.50% · 4.625%
HK$60,746
+HK$3,042/mo
Deposit HK$10.79M · loan HK$10.79M · min. income ≈ HK$115,408/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$908,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,053
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$60,890
−HK$1,866/mo
Today · 4.125%
HK$62,756
baseline
▲ 0.50% · 4.625%
HK$66,575
+HK$3,819/mo
Deposit HK$8.63M · loan HK$12.95M · min. income ≈ HK$125,512/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$908,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,696
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$67,458
−HK$1,787/mo
Today · 4.125%
HK$69,245
baseline
▲ 0.50% · 4.625%
HK$72,895
+HK$3,650/mo
Deposit HK$8.63M · loan HK$12.95M · min. income ≈ HK$138,490/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$908,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,895
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$71,038
−HK$2,178/mo
Today · 4.125%
HK$73,216
baseline
▲ 0.50% · 4.625%
HK$77,671
+HK$4,455/mo
Deposit HK$6.47M · loan HK$15.11M · min. income ≈ HK$146,432/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$908,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,645
−HK$4,141/mo
▼ 0.25% · 3.875%
HK$78,701
−HK$2,085/mo
Today · 4.125%
HK$80,786
baseline
▲ 0.50% · 4.625%
HK$85,044
+HK$4,258/mo
Deposit HK$6.47M · loan HK$15.11M · min. income ≈ HK$161,572/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$908,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,580
−HK$5,554/mo
▼ 0.25% · 3.875%
HK$91,335
−HK$2,799/mo
Today · 4.125%
HK$94,134
baseline
▲ 0.50% · 4.625%
HK$99,862
+HK$5,728/mo
Deposit HK$2.16M · loan HK$19.42M · min. income ≈ HK$188,268/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$908,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,544
−HK$5,324/mo
▼ 0.25% · 3.875%
HK$101,187
−HK$2,681/mo
Today · 4.125%
HK$103,868
baseline
▲ 0.50% · 4.625%
HK$109,343
+HK$5,475/mo
Deposit HK$2.16M · loan HK$19.42M · min. income ≈ HK$207,736/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$908,129 · Scale 2, in force from 26 Feb 2026)