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$49,196
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$50,726
−HK$1,555/mo
Today · 4.125%
HK$52,281
baseline
▲ 0.50% · 4.625%
HK$55,462
+HK$3,181/mo
Deposit HK$10.79M · loan HK$10.79M · min. income ≈ HK$104,562/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$907,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,730
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$56,198
−HK$1,489/mo
Today · 4.125%
HK$57,687
baseline
▲ 0.50% · 4.625%
HK$60,728
+HK$3,041/mo
Deposit HK$10.79M · loan HK$10.79M · min. income ≈ HK$115,374/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$907,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,035
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$60,872
−HK$1,865/mo
Today · 4.125%
HK$62,737
baseline
▲ 0.50% · 4.625%
HK$66,555
+HK$3,818/mo
Deposit HK$8.63M · loan HK$12.94M · min. income ≈ HK$125,474/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$907,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,676
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$67,438
−HK$1,787/mo
Today · 4.125%
HK$69,225
baseline
▲ 0.50% · 4.625%
HK$72,874
+HK$3,649/mo
Deposit HK$8.63M · loan HK$12.94M · min. income ≈ HK$138,450/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$907,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,875
−HK$4,319/mo
▼ 0.25% · 3.875%
HK$71,017
−HK$2,177/mo
Today · 4.125%
HK$73,194
baseline
▲ 0.50% · 4.625%
HK$77,647
+HK$4,453/mo
Deposit HK$6.47M · loan HK$15.10M · min. income ≈ HK$146,388/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$907,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,622
−HK$4,140/mo
▼ 0.25% · 3.875%
HK$78,677
−HK$2,085/mo
Today · 4.125%
HK$80,762
baseline
▲ 0.50% · 4.625%
HK$85,019
+HK$4,257/mo
Deposit HK$6.47M · loan HK$15.10M · min. income ≈ HK$161,524/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$907,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,553
−HK$5,553/mo
▼ 0.25% · 3.875%
HK$91,308
−HK$2,798/mo
Today · 4.125%
HK$94,106
baseline
▲ 0.50% · 4.625%
HK$99,832
+HK$5,726/mo
Deposit HK$2.16M · loan HK$19.42M · min. income ≈ HK$188,212/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$907,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,514
−HK$5,323/mo
▼ 0.25% · 3.875%
HK$101,157
−HK$2,680/mo
Today · 4.125%
HK$103,837
baseline
▲ 0.50% · 4.625%
HK$109,310
+HK$5,473/mo
Deposit HK$2.16M · loan HK$19.42M · min. income ≈ HK$207,674/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$907,486 · Scale 2, in force from 26 Feb 2026)