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$49,439
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$50,977
−HK$1,562/mo
Today · 4.125%
HK$52,539
baseline
▲ 0.50% · 4.625%
HK$55,736
+HK$3,197/mo
Deposit HK$10.84M · loan HK$10.84M · min. income ≈ HK$105,078/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$918,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,000
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$56,475
−HK$1,497/mo
Today · 4.125%
HK$57,972
baseline
▲ 0.50% · 4.625%
HK$61,027
+HK$3,055/mo
Deposit HK$10.84M · loan HK$10.84M · min. income ≈ HK$115,944/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$918,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,327
−HK$3,720/mo
▼ 0.25% · 3.875%
HK$61,172
−HK$1,875/mo
Today · 4.125%
HK$63,047
baseline
▲ 0.50% · 4.625%
HK$66,883
+HK$3,836/mo
Deposit HK$8.67M · loan HK$13.01M · min. income ≈ HK$126,094/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$918,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,000
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$67,770
−HK$1,796/mo
Today · 4.125%
HK$69,566
baseline
▲ 0.50% · 4.625%
HK$73,233
+HK$3,667/mo
Deposit HK$8.67M · loan HK$13.01M · min. income ≈ HK$139,132/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$918,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,214
−HK$4,341/mo
▼ 0.25% · 3.875%
HK$71,367
−HK$2,188/mo
Today · 4.125%
HK$73,555
baseline
▲ 0.50% · 4.625%
HK$78,030
+HK$4,475/mo
Deposit HK$6.50M · loan HK$15.18M · min. income ≈ HK$147,110/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$918,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,000
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$79,065
−HK$2,095/mo
Today · 4.125%
HK$81,160
baseline
▲ 0.50% · 4.625%
HK$85,438
+HK$4,278/mo
Deposit HK$6.50M · loan HK$15.18M · min. income ≈ HK$162,320/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$918,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,990
−HK$5,580/mo
▼ 0.25% · 3.875%
HK$91,758
−HK$2,812/mo
Today · 4.125%
HK$94,570
baseline
▲ 0.50% · 4.625%
HK$100,325
+HK$5,755/mo
Deposit HK$2.17M · loan HK$19.51M · min. income ≈ HK$189,140/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$918,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,000
−HK$5,349/mo
▼ 0.25% · 3.875%
HK$101,655
−HK$2,694/mo
Today · 4.125%
HK$104,349
baseline
▲ 0.50% · 4.625%
HK$109,849
+HK$5,500/mo
Deposit HK$2.17M · loan HK$19.51M · min. income ≈ HK$208,698/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$918,125 · Scale 2, in force from 26 Feb 2026)