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$49,109
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$50,637
−HK$1,552/mo
Today · 4.125%
HK$52,189
baseline
▲ 0.50% · 4.625%
HK$55,364
+HK$3,175/mo
Deposit HK$10.77M · loan HK$10.77M · min. income ≈ HK$104,378/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$903,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,633
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$56,099
−HK$1,486/mo
Today · 4.125%
HK$57,585
baseline
▲ 0.50% · 4.625%
HK$60,621
+HK$3,036/mo
Deposit HK$10.77M · loan HK$10.77M · min. income ≈ HK$115,170/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$903,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,931
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$60,764
−HK$1,863/mo
Today · 4.125%
HK$62,627
baseline
▲ 0.50% · 4.625%
HK$66,437
+HK$3,810/mo
Deposit HK$8.61M · loan HK$12.92M · min. income ≈ HK$125,254/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$903,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,560
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$67,318
−HK$1,784/mo
Today · 4.125%
HK$69,102
baseline
▲ 0.50% · 4.625%
HK$72,745
+HK$3,643/mo
Deposit HK$8.61M · loan HK$12.92M · min. income ≈ HK$138,204/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$903,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,753
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$70,891
−HK$2,173/mo
Today · 4.125%
HK$73,064
baseline
▲ 0.50% · 4.625%
HK$77,510
+HK$4,446/mo
Deposit HK$6.46M · loan HK$15.08M · min. income ≈ HK$146,128/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$903,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,487
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$78,538
−HK$2,081/mo
Today · 4.125%
HK$80,619
baseline
▲ 0.50% · 4.625%
HK$84,869
+HK$4,250/mo
Deposit HK$6.46M · loan HK$15.08M · min. income ≈ HK$161,238/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$903,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,397
−HK$5,543/mo
▼ 0.25% · 3.875%
HK$91,146
−HK$2,794/mo
Today · 4.125%
HK$93,940
baseline
▲ 0.50% · 4.625%
HK$99,656
+HK$5,716/mo
Deposit HK$2.15M · loan HK$19.38M · min. income ≈ HK$187,880/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$903,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,340
−HK$5,313/mo
▼ 0.25% · 3.875%
HK$100,978
−HK$2,675/mo
Today · 4.125%
HK$103,653
baseline
▲ 0.50% · 4.625%
HK$109,117
+HK$5,464/mo
Deposit HK$2.15M · loan HK$19.38M · min. income ≈ HK$207,306/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$903,669 · Scale 2, in force from 26 Feb 2026)