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$49,080
−HK$3,078/mo
▼ 0.25% · 3.875%
HK$50,606
−HK$1,552/mo
Today · 4.125%
HK$52,158
baseline
▲ 0.50% · 4.625%
HK$55,331
+HK$3,173/mo
Deposit HK$10.76M · loan HK$10.76M · min. income ≈ HK$104,316/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$902,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,601
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$56,065
−HK$1,486/mo
Today · 4.125%
HK$57,551
baseline
▲ 0.50% · 4.625%
HK$60,584
+HK$3,033/mo
Deposit HK$10.76M · loan HK$10.76M · min. income ≈ HK$115,102/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$902,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,896
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$60,728
−HK$1,861/mo
Today · 4.125%
HK$62,589
baseline
▲ 0.50% · 4.625%
HK$66,397
+HK$3,808/mo
Deposit HK$8.61M · loan HK$12.91M · min. income ≈ HK$125,178/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$902,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,521
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$67,278
−HK$1,783/mo
Today · 4.125%
HK$69,061
baseline
▲ 0.50% · 4.625%
HK$72,701
+HK$3,640/mo
Deposit HK$8.61M · loan HK$12.91M · min. income ≈ HK$138,122/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$902,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,712
−HK$4,309/mo
▼ 0.25% · 3.875%
HK$70,849
−HK$2,172/mo
Today · 4.125%
HK$73,021
baseline
▲ 0.50% · 4.625%
HK$77,464
+HK$4,443/mo
Deposit HK$6.46M · loan HK$15.07M · min. income ≈ HK$146,042/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$902,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,441
−HK$4,130/mo
▼ 0.25% · 3.875%
HK$78,491
−HK$2,080/mo
Today · 4.125%
HK$80,571
baseline
▲ 0.50% · 4.625%
HK$84,818
+HK$4,247/mo
Deposit HK$6.46M · loan HK$15.07M · min. income ≈ HK$161,142/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$902,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,344
−HK$5,540/mo
▼ 0.25% · 3.875%
HK$91,092
−HK$2,792/mo
Today · 4.125%
HK$93,884
baseline
▲ 0.50% · 4.625%
HK$99,596
+HK$5,712/mo
Deposit HK$2.15M · loan HK$19.37M · min. income ≈ HK$187,768/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$902,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,281
−HK$5,310/mo
▼ 0.25% · 3.875%
HK$100,917
−HK$2,674/mo
Today · 4.125%
HK$103,591
baseline
▲ 0.50% · 4.625%
HK$109,052
+HK$5,461/mo
Deposit HK$2.15M · loan HK$19.37M · min. income ≈ HK$207,182/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$902,383 · Scale 2, in force from 26 Feb 2026)