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$49,321
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$50,856
−HK$1,558/mo
Today · 4.125%
HK$52,414
baseline
▲ 0.50% · 4.625%
HK$55,604
+HK$3,190/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$104,828/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$912,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,870
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$56,341
−HK$1,493/mo
Today · 4.125%
HK$57,834
baseline
▲ 0.50% · 4.625%
HK$60,883
+HK$3,049/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$115,668/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$912,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,186
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$61,027
−HK$1,870/mo
Today · 4.125%
HK$62,897
baseline
▲ 0.50% · 4.625%
HK$66,724
+HK$3,827/mo
Deposit HK$8.65M · loan HK$12.98M · min. income ≈ HK$125,794/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$912,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,844
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$67,609
−HK$1,792/mo
Today · 4.125%
HK$69,401
baseline
▲ 0.50% · 4.625%
HK$73,059
+HK$3,658/mo
Deposit HK$8.65M · loan HK$12.98M · min. income ≈ HK$138,802/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$912,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,050
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$71,198
−HK$2,182/mo
Today · 4.125%
HK$73,380
baseline
▲ 0.50% · 4.625%
HK$77,845
+HK$4,465/mo
Deposit HK$6.49M · loan HK$15.14M · min. income ≈ HK$146,760/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$912,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,817
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$78,878
−HK$2,090/mo
Today · 4.125%
HK$80,968
baseline
▲ 0.50% · 4.625%
HK$85,236
+HK$4,268/mo
Deposit HK$6.49M · loan HK$15.14M · min. income ≈ HK$161,936/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$912,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,779
−HK$5,567/mo
▼ 0.25% · 3.875%
HK$91,540
−HK$2,806/mo
Today · 4.125%
HK$94,346
baseline
▲ 0.50% · 4.625%
HK$100,087
+HK$5,741/mo
Deposit HK$2.16M · loan HK$19.47M · min. income ≈ HK$188,692/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$912,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,765
−HK$5,336/mo
▼ 0.25% · 3.875%
HK$101,414
−HK$2,687/mo
Today · 4.125%
HK$104,101
baseline
▲ 0.50% · 4.625%
HK$109,589
+HK$5,488/mo
Deposit HK$2.16M · loan HK$19.47M · min. income ≈ HK$208,202/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$912,979 · Scale 2, in force from 26 Feb 2026)