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$49,357
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$50,892
−HK$1,560/mo
Today · 4.125%
HK$52,452
baseline
▲ 0.50% · 4.625%
HK$55,643
+HK$3,191/mo
Deposit HK$10.82M · loan HK$10.82M · min. income ≈ HK$104,904/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$914,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,909
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$56,381
−HK$1,494/mo
Today · 4.125%
HK$57,875
baseline
▲ 0.50% · 4.625%
HK$60,926
+HK$3,051/mo
Deposit HK$10.82M · loan HK$10.82M · min. income ≈ HK$115,750/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$914,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,228
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$61,070
−HK$1,872/mo
Today · 4.125%
HK$62,942
baseline
▲ 0.50% · 4.625%
HK$66,772
+HK$3,830/mo
Deposit HK$8.66M · loan HK$12.99M · min. income ≈ HK$125,884/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$914,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,890
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$67,658
−HK$1,792/mo
Today · 4.125%
HK$69,450
baseline
▲ 0.50% · 4.625%
HK$73,111
+HK$3,661/mo
Deposit HK$8.66M · loan HK$12.99M · min. income ≈ HK$138,900/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$914,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,099
−HK$4,333/mo
▼ 0.25% · 3.875%
HK$71,249
−HK$2,183/mo
Today · 4.125%
HK$73,432
baseline
▲ 0.50% · 4.625%
HK$77,900
+HK$4,468/mo
Deposit HK$6.49M · loan HK$15.15M · min. income ≈ HK$146,864/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$914,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,872
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$78,934
−HK$2,091/mo
Today · 4.125%
HK$81,025
baseline
▲ 0.50% · 4.625%
HK$85,296
+HK$4,271/mo
Deposit HK$6.49M · loan HK$15.15M · min. income ≈ HK$162,050/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$914,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,842
−HK$5,571/mo
▼ 0.25% · 3.875%
HK$91,605
−HK$2,808/mo
Today · 4.125%
HK$94,413
baseline
▲ 0.50% · 4.625%
HK$100,158
+HK$5,745/mo
Deposit HK$2.16M · loan HK$19.48M · min. income ≈ HK$188,826/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$914,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,836
−HK$5,339/mo
▼ 0.25% · 3.875%
HK$101,486
−HK$2,689/mo
Today · 4.125%
HK$104,175
baseline
▲ 0.50% · 4.625%
HK$109,667
+HK$5,492/mo
Deposit HK$2.16M · loan HK$19.48M · min. income ≈ HK$208,350/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$914,518 · Scale 2, in force from 26 Feb 2026)