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$49,202
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$50,733
−HK$1,555/mo
Today · 4.125%
HK$52,288
baseline
▲ 0.50% · 4.625%
HK$55,469
+HK$3,181/mo
Deposit HK$10.79M · loan HK$10.79M · min. income ≈ HK$104,576/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$907,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,737
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$56,205
−HK$1,489/mo
Today · 4.125%
HK$57,694
baseline
▲ 0.50% · 4.625%
HK$60,736
+HK$3,042/mo
Deposit HK$10.79M · loan HK$10.79M · min. income ≈ HK$115,388/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$907,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,043
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$60,879
−HK$1,866/mo
Today · 4.125%
HK$62,745
baseline
▲ 0.50% · 4.625%
HK$66,563
+HK$3,818/mo
Deposit HK$8.63M · loan HK$12.95M · min. income ≈ HK$125,490/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$907,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,685
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$67,446
−HK$1,787/mo
Today · 4.125%
HK$69,233
baseline
▲ 0.50% · 4.625%
HK$72,883
+HK$3,650/mo
Deposit HK$8.63M · loan HK$12.95M · min. income ≈ HK$138,466/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$907,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,883
−HK$4,320/mo
▼ 0.25% · 3.875%
HK$71,026
−HK$2,177/mo
Today · 4.125%
HK$73,203
baseline
▲ 0.50% · 4.625%
HK$77,657
+HK$4,454/mo
Deposit HK$6.47M · loan HK$15.10M · min. income ≈ HK$146,406/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$907,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,632
−HK$4,140/mo
▼ 0.25% · 3.875%
HK$78,687
−HK$2,085/mo
Today · 4.125%
HK$80,772
baseline
▲ 0.50% · 4.625%
HK$85,030
+HK$4,258/mo
Deposit HK$6.47M · loan HK$15.10M · min. income ≈ HK$161,544/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$907,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,564
−HK$5,554/mo
▼ 0.25% · 3.875%
HK$91,319
−HK$2,799/mo
Today · 4.125%
HK$94,118
baseline
▲ 0.50% · 4.625%
HK$99,845
+HK$5,727/mo
Deposit HK$2.16M · loan HK$19.42M · min. income ≈ HK$188,236/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$907,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,527
−HK$5,323/mo
▼ 0.25% · 3.875%
HK$101,169
−HK$2,681/mo
Today · 4.125%
HK$103,850
baseline
▲ 0.50% · 4.625%
HK$109,324
+HK$5,474/mo
Deposit HK$2.16M · loan HK$19.42M · min. income ≈ HK$207,700/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$907,759 · Scale 2, in force from 26 Feb 2026)