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$49,192
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$50,722
−HK$1,554/mo
Today · 4.125%
HK$52,276
baseline
▲ 0.50% · 4.625%
HK$55,457
+HK$3,181/mo
Deposit HK$10.79M · loan HK$10.79M · min. income ≈ HK$104,552/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$907,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,725
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$56,193
−HK$1,489/mo
Today · 4.125%
HK$57,682
baseline
▲ 0.50% · 4.625%
HK$60,722
+HK$3,040/mo
Deposit HK$10.79M · loan HK$10.79M · min. income ≈ HK$115,364/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$907,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,030
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$60,866
−HK$1,866/mo
Today · 4.125%
HK$62,732
baseline
▲ 0.50% · 4.625%
HK$66,549
+HK$3,817/mo
Deposit HK$8.63M · loan HK$12.94M · min. income ≈ HK$125,464/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$907,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,670
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$67,431
−HK$1,787/mo
Today · 4.125%
HK$69,218
baseline
▲ 0.50% · 4.625%
HK$72,867
+HK$3,649/mo
Deposit HK$8.63M · loan HK$12.94M · min. income ≈ HK$138,436/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$907,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,868
−HK$4,319/mo
▼ 0.25% · 3.875%
HK$71,010
−HK$2,177/mo
Today · 4.125%
HK$73,187
baseline
▲ 0.50% · 4.625%
HK$77,640
+HK$4,453/mo
Deposit HK$6.47M · loan HK$15.10M · min. income ≈ HK$146,374/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$907,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,615
−HK$4,140/mo
▼ 0.25% · 3.875%
HK$78,670
−HK$2,085/mo
Today · 4.125%
HK$80,755
baseline
▲ 0.50% · 4.625%
HK$85,011
+HK$4,256/mo
Deposit HK$6.47M · loan HK$15.10M · min. income ≈ HK$161,510/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$907,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,545
−HK$5,552/mo
▼ 0.25% · 3.875%
HK$91,299
−HK$2,798/mo
Today · 4.125%
HK$94,097
baseline
▲ 0.50% · 4.625%
HK$99,823
+HK$5,726/mo
Deposit HK$2.16M · loan HK$19.42M · min. income ≈ HK$188,194/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$907,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,505
−HK$5,322/mo
▼ 0.25% · 3.875%
HK$101,147
−HK$2,680/mo
Today · 4.125%
HK$103,827
baseline
▲ 0.50% · 4.625%
HK$109,300
+HK$5,473/mo
Deposit HK$2.16M · loan HK$19.42M · min. income ≈ HK$207,654/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$907,285 · Scale 2, in force from 26 Feb 2026)