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$49,340
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$50,875
−HK$1,559/mo
Today · 4.125%
HK$52,434
baseline
▲ 0.50% · 4.625%
HK$55,625
+HK$3,191/mo
Deposit HK$10.82M · loan HK$10.82M · min. income ≈ HK$104,868/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$913,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,890
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$56,363
−HK$1,493/mo
Today · 4.125%
HK$57,856
baseline
▲ 0.50% · 4.625%
HK$60,906
+HK$3,050/mo
Deposit HK$10.82M · loan HK$10.82M · min. income ≈ HK$115,712/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$913,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,208
−HK$3,713/mo
▼ 0.25% · 3.875%
HK$61,050
−HK$1,871/mo
Today · 4.125%
HK$62,921
baseline
▲ 0.50% · 4.625%
HK$66,750
+HK$3,829/mo
Deposit HK$8.66M · loan HK$12.98M · min. income ≈ HK$125,842/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$913,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,869
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$67,635
−HK$1,792/mo
Today · 4.125%
HK$69,427
baseline
▲ 0.50% · 4.625%
HK$73,087
+HK$3,660/mo
Deposit HK$8.66M · loan HK$12.98M · min. income ≈ HK$138,854/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$913,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,076
−HK$4,332/mo
▼ 0.25% · 3.875%
HK$71,225
−HK$2,183/mo
Today · 4.125%
HK$73,408
baseline
▲ 0.50% · 4.625%
HK$77,875
+HK$4,467/mo
Deposit HK$6.49M · loan HK$15.15M · min. income ≈ HK$146,816/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$913,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,847
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$78,908
−HK$2,090/mo
Today · 4.125%
HK$80,998
baseline
▲ 0.50% · 4.625%
HK$85,268
+HK$4,270/mo
Deposit HK$6.49M · loan HK$15.15M · min. income ≈ HK$161,996/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$913,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,812
−HK$5,570/mo
▼ 0.25% · 3.875%
HK$91,575
−HK$2,807/mo
Today · 4.125%
HK$94,382
baseline
▲ 0.50% · 4.625%
HK$100,125
+HK$5,743/mo
Deposit HK$2.16M · loan HK$19.47M · min. income ≈ HK$188,764/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$913,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,803
−HK$5,338/mo
▼ 0.25% · 3.875%
HK$101,453
−HK$2,688/mo
Today · 4.125%
HK$104,141
baseline
▲ 0.50% · 4.625%
HK$109,630
+HK$5,489/mo
Deposit HK$2.16M · loan HK$19.47M · min. income ≈ HK$208,282/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$913,799 · Scale 2, in force from 26 Feb 2026)