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$49,221
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$50,752
−HK$1,556/mo
Today · 4.125%
HK$52,308
baseline
▲ 0.50% · 4.625%
HK$55,491
+HK$3,183/mo
Deposit HK$10.79M · loan HK$10.79M · min. income ≈ HK$104,616/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$908,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,758
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$56,227
−HK$1,490/mo
Today · 4.125%
HK$57,717
baseline
▲ 0.50% · 4.625%
HK$60,759
+HK$3,042/mo
Deposit HK$10.79M · loan HK$10.79M · min. income ≈ HK$115,434/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$908,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,066
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$60,903
−HK$1,866/mo
Today · 4.125%
HK$62,769
baseline
▲ 0.50% · 4.625%
HK$66,589
+HK$3,820/mo
Deposit HK$8.63M · loan HK$12.95M · min. income ≈ HK$125,538/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$908,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,710
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$67,472
−HK$1,788/mo
Today · 4.125%
HK$69,260
baseline
▲ 0.50% · 4.625%
HK$72,911
+HK$3,651/mo
Deposit HK$8.63M · loan HK$12.95M · min. income ≈ HK$138,520/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$908,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,910
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$71,053
−HK$2,178/mo
Today · 4.125%
HK$73,231
baseline
▲ 0.50% · 4.625%
HK$77,687
+HK$4,456/mo
Deposit HK$6.48M · loan HK$15.11M · min. income ≈ HK$146,462/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$908,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,661
−HK$4,142/mo
▼ 0.25% · 3.875%
HK$78,717
−HK$2,086/mo
Today · 4.125%
HK$80,803
baseline
▲ 0.50% · 4.625%
HK$85,063
+HK$4,260/mo
Deposit HK$6.48M · loan HK$15.11M · min. income ≈ HK$161,606/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$908,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,598
−HK$5,556/mo
▼ 0.25% · 3.875%
HK$91,354
−HK$2,800/mo
Today · 4.125%
HK$94,154
baseline
▲ 0.50% · 4.625%
HK$99,883
+HK$5,729/mo
Deposit HK$2.16M · loan HK$19.43M · min. income ≈ HK$188,308/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$908,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,565
−HK$5,325/mo
▼ 0.25% · 3.875%
HK$101,208
−HK$2,682/mo
Today · 4.125%
HK$103,890
baseline
▲ 0.50% · 4.625%
HK$109,366
+HK$5,476/mo
Deposit HK$2.16M · loan HK$19.43M · min. income ≈ HK$207,780/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$908,586 · Scale 2, in force from 26 Feb 2026)