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$49,367
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$50,903
−HK$1,560/mo
Today · 4.125%
HK$52,463
baseline
▲ 0.50% · 4.625%
HK$55,655
+HK$3,192/mo
Deposit HK$10.82M · loan HK$10.82M · min. income ≈ HK$104,926/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$914,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,920
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$56,393
−HK$1,495/mo
Today · 4.125%
HK$57,888
baseline
▲ 0.50% · 4.625%
HK$60,939
+HK$3,051/mo
Deposit HK$10.82M · loan HK$10.82M · min. income ≈ HK$115,776/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$914,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,240
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$61,083
−HK$1,872/mo
Today · 4.125%
HK$62,955
baseline
▲ 0.50% · 4.625%
HK$66,786
+HK$3,831/mo
Deposit HK$8.66M · loan HK$12.99M · min. income ≈ HK$125,910/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$914,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,904
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$67,672
−HK$1,793/mo
Today · 4.125%
HK$69,465
baseline
▲ 0.50% · 4.625%
HK$73,127
+HK$3,662/mo
Deposit HK$8.66M · loan HK$12.99M · min. income ≈ HK$138,930/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$914,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,114
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$71,264
−HK$2,184/mo
Today · 4.125%
HK$73,448
baseline
▲ 0.50% · 4.625%
HK$77,917
+HK$4,469/mo
Deposit HK$6.49M · loan HK$15.15M · min. income ≈ HK$146,896/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$914,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,888
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$78,951
−HK$2,092/mo
Today · 4.125%
HK$81,043
baseline
▲ 0.50% · 4.625%
HK$85,314
+HK$4,271/mo
Deposit HK$6.49M · loan HK$15.15M · min. income ≈ HK$162,086/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$914,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,861
−HK$5,572/mo
▼ 0.25% · 3.875%
HK$91,625
−HK$2,808/mo
Today · 4.125%
HK$94,433
baseline
▲ 0.50% · 4.625%
HK$100,179
+HK$5,746/mo
Deposit HK$2.16M · loan HK$19.48M · min. income ≈ HK$188,866/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$914,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,857
−HK$5,341/mo
▼ 0.25% · 3.875%
HK$101,508
−HK$2,690/mo
Today · 4.125%
HK$104,198
baseline
▲ 0.50% · 4.625%
HK$109,690
+HK$5,492/mo
Deposit HK$2.16M · loan HK$19.48M · min. income ≈ HK$208,396/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$914,979 · Scale 2, in force from 26 Feb 2026)