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$49,095
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$50,622
−HK$1,552/mo
Today · 4.125%
HK$52,174
baseline
▲ 0.50% · 4.625%
HK$55,348
+HK$3,174/mo
Deposit HK$10.77M · loan HK$10.77M · min. income ≈ HK$104,348/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$903,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,618
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$56,083
−HK$1,486/mo
Today · 4.125%
HK$57,569
baseline
▲ 0.50% · 4.625%
HK$60,603
+HK$3,034/mo
Deposit HK$10.77M · loan HK$10.77M · min. income ≈ HK$115,138/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$903,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,914
−HK$3,695/mo
▼ 0.25% · 3.875%
HK$60,747
−HK$1,862/mo
Today · 4.125%
HK$62,609
baseline
▲ 0.50% · 4.625%
HK$66,418
+HK$3,809/mo
Deposit HK$8.61M · loan HK$12.92M · min. income ≈ HK$125,218/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$903,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,541
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$67,299
−HK$1,783/mo
Today · 4.125%
HK$69,082
baseline
▲ 0.50% · 4.625%
HK$72,724
+HK$3,642/mo
Deposit HK$8.61M · loan HK$12.92M · min. income ≈ HK$138,164/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$903,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,733
−HK$4,310/mo
▼ 0.25% · 3.875%
HK$70,871
−HK$2,172/mo
Today · 4.125%
HK$73,043
baseline
▲ 0.50% · 4.625%
HK$77,488
+HK$4,445/mo
Deposit HK$6.46M · loan HK$15.07M · min. income ≈ HK$146,086/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$903,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,465
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$78,516
−HK$2,080/mo
Today · 4.125%
HK$80,596
baseline
▲ 0.50% · 4.625%
HK$84,844
+HK$4,248/mo
Deposit HK$6.46M · loan HK$15.07M · min. income ≈ HK$161,192/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$903,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,371
−HK$5,542/mo
▼ 0.25% · 3.875%
HK$91,120
−HK$2,793/mo
Today · 4.125%
HK$93,913
baseline
▲ 0.50% · 4.625%
HK$99,627
+HK$5,714/mo
Deposit HK$2.15M · loan HK$19.38M · min. income ≈ HK$187,826/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$903,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,312
−HK$5,311/mo
▼ 0.25% · 3.875%
HK$100,949
−HK$2,674/mo
Today · 4.125%
HK$103,623
baseline
▲ 0.50% · 4.625%
HK$109,086
+HK$5,463/mo
Deposit HK$2.15M · loan HK$19.38M · min. income ≈ HK$207,246/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$903,051 · Scale 2, in force from 26 Feb 2026)