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$49,100
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$50,627
−HK$1,552/mo
Today · 4.125%
HK$52,179
baseline
▲ 0.50% · 4.625%
HK$55,354
+HK$3,175/mo
Deposit HK$10.77M · loan HK$10.77M · min. income ≈ HK$104,358/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$903,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,623
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$56,088
−HK$1,487/mo
Today · 4.125%
HK$57,575
baseline
▲ 0.50% · 4.625%
HK$60,609
+HK$3,034/mo
Deposit HK$10.77M · loan HK$10.77M · min. income ≈ HK$115,150/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$903,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,920
−HK$3,695/mo
▼ 0.25% · 3.875%
HK$60,753
−HK$1,862/mo
Today · 4.125%
HK$62,615
baseline
▲ 0.50% · 4.625%
HK$66,425
+HK$3,810/mo
Deposit HK$8.61M · loan HK$12.92M · min. income ≈ HK$125,230/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$903,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,548
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$67,306
−HK$1,783/mo
Today · 4.125%
HK$69,089
baseline
▲ 0.50% · 4.625%
HK$72,731
+HK$3,642/mo
Deposit HK$8.61M · loan HK$12.92M · min. income ≈ HK$138,178/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$903,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,740
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$70,878
−HK$2,173/mo
Today · 4.125%
HK$73,051
baseline
▲ 0.50% · 4.625%
HK$77,496
+HK$4,445/mo
Deposit HK$6.46M · loan HK$15.07M · min. income ≈ HK$146,102/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$903,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,473
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$78,524
−HK$2,080/mo
Today · 4.125%
HK$80,604
baseline
▲ 0.50% · 4.625%
HK$84,853
+HK$4,249/mo
Deposit HK$6.46M · loan HK$15.07M · min. income ≈ HK$161,208/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$903,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,380
−HK$5,542/mo
▼ 0.25% · 3.875%
HK$91,129
−HK$2,793/mo
Today · 4.125%
HK$93,922
baseline
▲ 0.50% · 4.625%
HK$99,637
+HK$5,715/mo
Deposit HK$2.15M · loan HK$19.38M · min. income ≈ HK$187,844/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$903,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,322
−HK$5,312/mo
▼ 0.25% · 3.875%
HK$100,959
−HK$2,675/mo
Today · 4.125%
HK$103,634
baseline
▲ 0.50% · 4.625%
HK$109,097
+HK$5,463/mo
Deposit HK$2.15M · loan HK$19.38M · min. income ≈ HK$207,268/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$903,272 · Scale 2, in force from 26 Feb 2026)