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$49,336
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$50,870
−HK$1,559/mo
Today · 4.125%
HK$52,429
baseline
▲ 0.50% · 4.625%
HK$55,620
+HK$3,191/mo
Deposit HK$10.82M · loan HK$10.82M · min. income ≈ HK$104,858/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$913,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,885
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$56,357
−HK$1,494/mo
Today · 4.125%
HK$57,851
baseline
▲ 0.50% · 4.625%
HK$60,900
+HK$3,049/mo
Deposit HK$10.82M · loan HK$10.82M · min. income ≈ HK$115,702/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$913,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,203
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$61,044
−HK$1,871/mo
Today · 4.125%
HK$62,915
baseline
▲ 0.50% · 4.625%
HK$66,744
+HK$3,829/mo
Deposit HK$8.65M · loan HK$12.98M · min. income ≈ HK$125,830/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$913,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,863
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$67,629
−HK$1,792/mo
Today · 4.125%
HK$69,421
baseline
▲ 0.50% · 4.625%
HK$73,080
+HK$3,659/mo
Deposit HK$8.65M · loan HK$12.98M · min. income ≈ HK$138,842/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$913,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,070
−HK$4,331/mo
▼ 0.25% · 3.875%
HK$71,218
−HK$2,183/mo
Today · 4.125%
HK$73,401
baseline
▲ 0.50% · 4.625%
HK$77,868
+HK$4,467/mo
Deposit HK$6.49M · loan HK$15.15M · min. income ≈ HK$146,802/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$913,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,840
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$78,900
−HK$2,091/mo
Today · 4.125%
HK$80,991
baseline
▲ 0.50% · 4.625%
HK$85,260
+HK$4,269/mo
Deposit HK$6.49M · loan HK$15.15M · min. income ≈ HK$161,982/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$913,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,804
−HK$5,569/mo
▼ 0.25% · 3.875%
HK$91,567
−HK$2,806/mo
Today · 4.125%
HK$94,373
baseline
▲ 0.50% · 4.625%
HK$100,115
+HK$5,742/mo
Deposit HK$2.16M · loan HK$19.47M · min. income ≈ HK$188,746/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$913,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,794
−HK$5,337/mo
▼ 0.25% · 3.875%
HK$101,443
−HK$2,688/mo
Today · 4.125%
HK$104,131
baseline
▲ 0.50% · 4.625%
HK$109,620
+HK$5,489/mo
Deposit HK$2.16M · loan HK$19.47M · min. income ≈ HK$208,262/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$913,603 · Scale 2, in force from 26 Feb 2026)