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$49,133
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$50,661
−HK$1,553/mo
Today · 4.125%
HK$52,214
baseline
▲ 0.50% · 4.625%
HK$55,391
+HK$3,177/mo
Deposit HK$10.77M · loan HK$10.77M · min. income ≈ HK$104,428/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$904,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,660
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$56,126
−HK$1,487/mo
Today · 4.125%
HK$57,613
baseline
▲ 0.50% · 4.625%
HK$60,650
+HK$3,037/mo
Deposit HK$10.77M · loan HK$10.77M · min. income ≈ HK$115,226/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$904,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,959
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$60,793
−HK$1,864/mo
Today · 4.125%
HK$62,657
baseline
▲ 0.50% · 4.625%
HK$66,469
+HK$3,812/mo
Deposit HK$8.62M · loan HK$12.93M · min. income ≈ HK$125,314/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$904,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,592
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$67,351
−HK$1,784/mo
Today · 4.125%
HK$69,135
baseline
▲ 0.50% · 4.625%
HK$72,780
+HK$3,645/mo
Deposit HK$8.62M · loan HK$12.93M · min. income ≈ HK$138,270/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$904,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,786
−HK$4,313/mo
▼ 0.25% · 3.875%
HK$70,926
−HK$2,173/mo
Today · 4.125%
HK$73,099
baseline
▲ 0.50% · 4.625%
HK$77,547
+HK$4,448/mo
Deposit HK$6.46M · loan HK$15.08M · min. income ≈ HK$146,198/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$904,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,524
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$78,576
−HK$2,082/mo
Today · 4.125%
HK$80,658
baseline
▲ 0.50% · 4.625%
HK$84,910
+HK$4,252/mo
Deposit HK$6.46M · loan HK$15.08M · min. income ≈ HK$161,316/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$904,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,439
−HK$5,546/mo
▼ 0.25% · 3.875%
HK$91,190
−HK$2,795/mo
Today · 4.125%
HK$93,985
baseline
▲ 0.50% · 4.625%
HK$99,704
+HK$5,719/mo
Deposit HK$2.15M · loan HK$19.39M · min. income ≈ HK$187,970/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$904,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,388
−HK$5,315/mo
▼ 0.25% · 3.875%
HK$101,026
−HK$2,677/mo
Today · 4.125%
HK$103,703
baseline
▲ 0.50% · 4.625%
HK$109,170
+HK$5,467/mo
Deposit HK$2.15M · loan HK$19.39M · min. income ≈ HK$207,406/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$904,708 · Scale 2, in force from 26 Feb 2026)