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$49,344
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$50,879
−HK$1,559/mo
Today · 4.125%
HK$52,438
baseline
▲ 0.50% · 4.625%
HK$55,629
+HK$3,191/mo
Deposit HK$10.82M · loan HK$10.82M · min. income ≈ HK$104,876/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$913,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,894
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$56,367
−HK$1,493/mo
Today · 4.125%
HK$57,860
baseline
▲ 0.50% · 4.625%
HK$60,910
+HK$3,050/mo
Deposit HK$10.82M · loan HK$10.82M · min. income ≈ HK$115,720/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$913,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,212
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$61,054
−HK$1,872/mo
Today · 4.125%
HK$62,926
baseline
▲ 0.50% · 4.625%
HK$66,754
+HK$3,828/mo
Deposit HK$8.66M · loan HK$12.98M · min. income ≈ HK$125,852/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$913,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,873
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$67,640
−HK$1,792/mo
Today · 4.125%
HK$69,432
baseline
▲ 0.50% · 4.625%
HK$73,092
+HK$3,660/mo
Deposit HK$8.66M · loan HK$12.98M · min. income ≈ HK$138,864/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$913,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,081
−HK$4,332/mo
▼ 0.25% · 3.875%
HK$71,230
−HK$2,183/mo
Today · 4.125%
HK$73,413
baseline
▲ 0.50% · 4.625%
HK$77,880
+HK$4,467/mo
Deposit HK$6.49M · loan HK$15.15M · min. income ≈ HK$146,826/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$913,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,852
−HK$4,152/mo
▼ 0.25% · 3.875%
HK$78,913
−HK$2,091/mo
Today · 4.125%
HK$81,004
baseline
▲ 0.50% · 4.625%
HK$85,274
+HK$4,270/mo
Deposit HK$6.49M · loan HK$15.15M · min. income ≈ HK$162,008/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$913,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,819
−HK$5,569/mo
▼ 0.25% · 3.875%
HK$91,581
−HK$2,807/mo
Today · 4.125%
HK$94,388
baseline
▲ 0.50% · 4.625%
HK$100,132
+HK$5,744/mo
Deposit HK$2.16M · loan HK$19.48M · min. income ≈ HK$188,776/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$913,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,810
−HK$5,338/mo
▼ 0.25% · 3.875%
HK$101,460
−HK$2,688/mo
Today · 4.125%
HK$104,148
baseline
▲ 0.50% · 4.625%
HK$109,638
+HK$5,490/mo
Deposit HK$2.16M · loan HK$19.48M · min. income ≈ HK$208,296/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$913,952 · Scale 2, in force from 26 Feb 2026)