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$49,194
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$50,724
−HK$1,555/mo
Today · 4.125%
HK$52,279
baseline
▲ 0.50% · 4.625%
HK$55,460
+HK$3,181/mo
Deposit HK$10.79M · loan HK$10.79M · min. income ≈ HK$104,558/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$907,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,728
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$56,195
−HK$1,489/mo
Today · 4.125%
HK$57,684
baseline
▲ 0.50% · 4.625%
HK$60,725
+HK$3,041/mo
Deposit HK$10.79M · loan HK$10.79M · min. income ≈ HK$115,368/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$907,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,033
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$60,869
−HK$1,866/mo
Today · 4.125%
HK$62,735
baseline
▲ 0.50% · 4.625%
HK$66,552
+HK$3,817/mo
Deposit HK$8.63M · loan HK$12.94M · min. income ≈ HK$125,470/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$907,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,673
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$67,435
−HK$1,786/mo
Today · 4.125%
HK$69,221
baseline
▲ 0.50% · 4.625%
HK$72,870
+HK$3,649/mo
Deposit HK$8.63M · loan HK$12.94M · min. income ≈ HK$138,442/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$907,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,871
−HK$4,319/mo
▼ 0.25% · 3.875%
HK$71,014
−HK$2,176/mo
Today · 4.125%
HK$73,190
baseline
▲ 0.50% · 4.625%
HK$77,644
+HK$4,454/mo
Deposit HK$6.47M · loan HK$15.10M · min. income ≈ HK$146,380/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$907,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,619
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$78,674
−HK$2,084/mo
Today · 4.125%
HK$80,758
baseline
▲ 0.50% · 4.625%
HK$85,015
+HK$4,257/mo
Deposit HK$6.47M · loan HK$15.10M · min. income ≈ HK$161,516/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$907,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,549
−HK$5,553/mo
▼ 0.25% · 3.875%
HK$91,303
−HK$2,799/mo
Today · 4.125%
HK$94,102
baseline
▲ 0.50% · 4.625%
HK$99,828
+HK$5,726/mo
Deposit HK$2.16M · loan HK$19.42M · min. income ≈ HK$188,204/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$907,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,510
−HK$5,322/mo
▼ 0.25% · 3.875%
HK$101,152
−HK$2,680/mo
Today · 4.125%
HK$103,832
baseline
▲ 0.50% · 4.625%
HK$109,305
+HK$5,473/mo
Deposit HK$2.16M · loan HK$19.42M · min. income ≈ HK$207,664/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$907,385 · Scale 2, in force from 26 Feb 2026)