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$49,226
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$50,757
−HK$1,555/mo
Today · 4.125%
HK$52,312
baseline
▲ 0.50% · 4.625%
HK$55,496
+HK$3,184/mo
Deposit HK$10.79M · loan HK$10.79M · min. income ≈ HK$104,624/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$908,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,763
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$56,232
−HK$1,490/mo
Today · 4.125%
HK$57,722
baseline
▲ 0.50% · 4.625%
HK$60,764
+HK$3,042/mo
Deposit HK$10.79M · loan HK$10.79M · min. income ≈ HK$115,444/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$908,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,071
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$60,908
−HK$1,867/mo
Today · 4.125%
HK$62,775
baseline
▲ 0.50% · 4.625%
HK$66,595
+HK$3,820/mo
Deposit HK$8.64M · loan HK$12.95M · min. income ≈ HK$125,550/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$908,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,716
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$67,478
−HK$1,788/mo
Today · 4.125%
HK$69,266
baseline
▲ 0.50% · 4.625%
HK$72,917
+HK$3,651/mo
Deposit HK$8.64M · loan HK$12.95M · min. income ≈ HK$138,532/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$908,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,916
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$71,059
−HK$2,178/mo
Today · 4.125%
HK$73,237
baseline
▲ 0.50% · 4.625%
HK$77,694
+HK$4,457/mo
Deposit HK$6.48M · loan HK$15.11M · min. income ≈ HK$146,474/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$908,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,668
−HK$4,142/mo
▼ 0.25% · 3.875%
HK$78,724
−HK$2,086/mo
Today · 4.125%
HK$80,810
baseline
▲ 0.50% · 4.625%
HK$85,070
+HK$4,260/mo
Deposit HK$6.48M · loan HK$15.11M · min. income ≈ HK$161,620/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$908,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,606
−HK$5,556/mo
▼ 0.25% · 3.875%
HK$91,362
−HK$2,800/mo
Today · 4.125%
HK$94,162
baseline
▲ 0.50% · 4.625%
HK$99,892
+HK$5,730/mo
Deposit HK$2.16M · loan HK$19.43M · min. income ≈ HK$188,324/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$908,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,573
−HK$5,326/mo
▼ 0.25% · 3.875%
HK$101,217
−HK$2,682/mo
Today · 4.125%
HK$103,899
baseline
▲ 0.50% · 4.625%
HK$109,376
+HK$5,477/mo
Deposit HK$2.16M · loan HK$19.43M · min. income ≈ HK$207,798/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$908,774 · Scale 2, in force from 26 Feb 2026)