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$49,299
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$50,832
−HK$1,558/mo
Today · 4.125%
HK$52,390
baseline
▲ 0.50% · 4.625%
HK$55,578
+HK$3,188/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$104,780/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$911,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,844
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$56,315
−HK$1,492/mo
Today · 4.125%
HK$57,807
baseline
▲ 0.50% · 4.625%
HK$60,854
+HK$3,047/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$115,614/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$911,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,158
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$60,998
−HK$1,870/mo
Today · 4.125%
HK$62,868
baseline
▲ 0.50% · 4.625%
HK$66,693
+HK$3,825/mo
Deposit HK$8.65M · loan HK$12.97M · min. income ≈ HK$125,736/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$911,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,813
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$67,578
−HK$1,791/mo
Today · 4.125%
HK$69,369
baseline
▲ 0.50% · 4.625%
HK$73,025
+HK$3,656/mo
Deposit HK$8.65M · loan HK$12.97M · min. income ≈ HK$138,738/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$911,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,018
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$71,165
−HK$2,181/mo
Today · 4.125%
HK$73,346
baseline
▲ 0.50% · 4.625%
HK$77,809
+HK$4,463/mo
Deposit HK$6.49M · loan HK$15.13M · min. income ≈ HK$146,692/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$911,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,782
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$78,841
−HK$2,089/mo
Today · 4.125%
HK$80,930
baseline
▲ 0.50% · 4.625%
HK$85,196
+HK$4,266/mo
Deposit HK$6.49M · loan HK$15.13M · min. income ≈ HK$161,860/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$911,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,737
−HK$5,565/mo
▼ 0.25% · 3.875%
HK$91,498
−HK$2,804/mo
Today · 4.125%
HK$94,302
baseline
▲ 0.50% · 4.625%
HK$100,040
+HK$5,738/mo
Deposit HK$2.16M · loan HK$19.46M · min. income ≈ HK$188,604/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$911,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,720
−HK$5,333/mo
▼ 0.25% · 3.875%
HK$101,367
−HK$2,686/mo
Today · 4.125%
HK$104,053
baseline
▲ 0.50% · 4.625%
HK$109,538
+HK$5,485/mo
Deposit HK$2.16M · loan HK$19.46M · min. income ≈ HK$208,106/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$911,976 · Scale 2, in force from 26 Feb 2026)