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$49,286
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$50,819
−HK$1,557/mo
Today · 4.125%
HK$52,376
baseline
▲ 0.50% · 4.625%
HK$55,563
+HK$3,187/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$104,752/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$911,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,830
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$56,300
−HK$1,492/mo
Today · 4.125%
HK$57,792
baseline
▲ 0.50% · 4.625%
HK$60,838
+HK$3,046/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$115,584/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$911,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,143
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$60,982
−HK$1,870/mo
Today · 4.125%
HK$62,852
baseline
▲ 0.50% · 4.625%
HK$66,676
+HK$3,824/mo
Deposit HK$8.65M · loan HK$12.97M · min. income ≈ HK$125,704/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$911,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,796
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$67,560
−HK$1,790/mo
Today · 4.125%
HK$69,350
baseline
▲ 0.50% · 4.625%
HK$73,006
+HK$3,656/mo
Deposit HK$8.65M · loan HK$12.97M · min. income ≈ HK$138,700/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$911,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,000
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$71,146
−HK$2,181/mo
Today · 4.125%
HK$73,327
baseline
▲ 0.50% · 4.625%
HK$77,789
+HK$4,462/mo
Deposit HK$6.48M · loan HK$15.13M · min. income ≈ HK$146,654/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$911,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,762
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$78,820
−HK$2,089/mo
Today · 4.125%
HK$80,909
baseline
▲ 0.50% · 4.625%
HK$85,174
+HK$4,265/mo
Deposit HK$6.48M · loan HK$15.13M · min. income ≈ HK$161,818/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$911,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,714
−HK$5,563/mo
▼ 0.25% · 3.875%
HK$91,474
−HK$2,803/mo
Today · 4.125%
HK$94,277
baseline
▲ 0.50% · 4.625%
HK$100,014
+HK$5,737/mo
Deposit HK$2.16M · loan HK$19.45M · min. income ≈ HK$188,554/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$911,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,694
−HK$5,332/mo
▼ 0.25% · 3.875%
HK$101,341
−HK$2,685/mo
Today · 4.125%
HK$104,026
baseline
▲ 0.50% · 4.625%
HK$109,509
+HK$5,483/mo
Deposit HK$2.16M · loan HK$19.45M · min. income ≈ HK$208,052/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$911,408 · Scale 2, in force from 26 Feb 2026)