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$49,091
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$50,618
−HK$1,552/mo
Today · 4.125%
HK$52,170
baseline
▲ 0.50% · 4.625%
HK$55,344
+HK$3,174/mo
Deposit HK$10.76M · loan HK$10.76M · min. income ≈ HK$104,340/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$902,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,613
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$56,078
−HK$1,486/mo
Today · 4.125%
HK$57,564
baseline
▲ 0.50% · 4.625%
HK$60,598
+HK$3,034/mo
Deposit HK$10.76M · loan HK$10.76M · min. income ≈ HK$115,128/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$902,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,909
−HK$3,695/mo
▼ 0.25% · 3.875%
HK$60,742
−HK$1,862/mo
Today · 4.125%
HK$62,604
baseline
▲ 0.50% · 4.625%
HK$66,413
+HK$3,809/mo
Deposit HK$8.61M · loan HK$12.92M · min. income ≈ HK$125,208/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$902,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,536
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$67,294
−HK$1,783/mo
Today · 4.125%
HK$69,077
baseline
▲ 0.50% · 4.625%
HK$72,718
+HK$3,641/mo
Deposit HK$8.61M · loan HK$12.92M · min. income ≈ HK$138,154/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$902,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,728
−HK$4,310/mo
▼ 0.25% · 3.875%
HK$70,866
−HK$2,172/mo
Today · 4.125%
HK$73,038
baseline
▲ 0.50% · 4.625%
HK$77,482
+HK$4,444/mo
Deposit HK$6.46M · loan HK$15.07M · min. income ≈ HK$146,076/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$902,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,459
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$78,509
−HK$2,081/mo
Today · 4.125%
HK$80,590
baseline
▲ 0.50% · 4.625%
HK$84,838
+HK$4,248/mo
Deposit HK$6.46M · loan HK$15.07M · min. income ≈ HK$161,180/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$902,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,364
−HK$5,541/mo
▼ 0.25% · 3.875%
HK$91,113
−HK$2,792/mo
Today · 4.125%
HK$93,905
baseline
▲ 0.50% · 4.625%
HK$99,619
+HK$5,714/mo
Deposit HK$2.15M · loan HK$19.38M · min. income ≈ HK$187,810/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$902,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,304
−HK$5,311/mo
▼ 0.25% · 3.875%
HK$100,941
−HK$2,674/mo
Today · 4.125%
HK$103,615
baseline
▲ 0.50% · 4.625%
HK$109,077
+HK$5,462/mo
Deposit HK$2.15M · loan HK$19.38M · min. income ≈ HK$207,230/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$902,881 · Scale 2, in force from 26 Feb 2026)