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$49,126
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$50,654
−HK$1,553/mo
Today · 4.125%
HK$52,207
baseline
▲ 0.50% · 4.625%
HK$55,383
+HK$3,176/mo
Deposit HK$10.77M · loan HK$10.77M · min. income ≈ HK$104,414/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$904,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,652
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$56,118
−HK$1,487/mo
Today · 4.125%
HK$57,605
baseline
▲ 0.50% · 4.625%
HK$60,641
+HK$3,036/mo
Deposit HK$10.77M · loan HK$10.77M · min. income ≈ HK$115,210/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$904,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,951
−HK$3,697/mo
▼ 0.25% · 3.875%
HK$60,785
−HK$1,863/mo
Today · 4.125%
HK$62,648
baseline
▲ 0.50% · 4.625%
HK$66,460
+HK$3,812/mo
Deposit HK$8.62M · loan HK$12.93M · min. income ≈ HK$125,296/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$904,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,583
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$67,342
−HK$1,784/mo
Today · 4.125%
HK$69,126
baseline
▲ 0.50% · 4.625%
HK$72,770
+HK$3,644/mo
Deposit HK$8.62M · loan HK$12.93M · min. income ≈ HK$138,252/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$904,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,777
−HK$4,312/mo
▼ 0.25% · 3.875%
HK$70,916
−HK$2,173/mo
Today · 4.125%
HK$73,089
baseline
▲ 0.50% · 4.625%
HK$77,537
+HK$4,448/mo
Deposit HK$6.46M · loan HK$15.08M · min. income ≈ HK$146,178/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$904,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,513
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$78,565
−HK$2,082/mo
Today · 4.125%
HK$80,647
baseline
▲ 0.50% · 4.625%
HK$84,898
+HK$4,251/mo
Deposit HK$6.46M · loan HK$15.08M · min. income ≈ HK$161,294/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$904,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,427
−HK$5,545/mo
▼ 0.25% · 3.875%
HK$91,178
−HK$2,794/mo
Today · 4.125%
HK$93,972
baseline
▲ 0.50% · 4.625%
HK$99,690
+HK$5,718/mo
Deposit HK$2.15M · loan HK$19.39M · min. income ≈ HK$187,944/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$904,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,374
−HK$5,315/mo
▼ 0.25% · 3.875%
HK$101,012
−HK$2,677/mo
Today · 4.125%
HK$103,689
baseline
▲ 0.50% · 4.625%
HK$109,155
+HK$5,466/mo
Deposit HK$2.15M · loan HK$19.39M · min. income ≈ HK$207,378/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$904,411 · Scale 2, in force from 26 Feb 2026)