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$49,217
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$50,748
−HK$1,556/mo
Today · 4.125%
HK$52,304
baseline
▲ 0.50% · 4.625%
HK$55,486
+HK$3,182/mo
Deposit HK$10.79M · loan HK$10.79M · min. income ≈ HK$104,608/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$908,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,754
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$56,222
−HK$1,490/mo
Today · 4.125%
HK$57,712
baseline
▲ 0.50% · 4.625%
HK$60,754
+HK$3,042/mo
Deposit HK$10.79M · loan HK$10.79M · min. income ≈ HK$115,424/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$908,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,061
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$60,898
−HK$1,866/mo
Today · 4.125%
HK$62,764
baseline
▲ 0.50% · 4.625%
HK$66,583
+HK$3,819/mo
Deposit HK$8.63M · loan HK$12.95M · min. income ≈ HK$125,528/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$908,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,704
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$67,467
−HK$1,787/mo
Today · 4.125%
HK$69,254
baseline
▲ 0.50% · 4.625%
HK$72,905
+HK$3,651/mo
Deposit HK$8.63M · loan HK$12.95M · min. income ≈ HK$138,508/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$908,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,904
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$71,047
−HK$2,178/mo
Today · 4.125%
HK$73,225
baseline
▲ 0.50% · 4.625%
HK$77,681
+HK$4,456/mo
Deposit HK$6.48M · loan HK$15.11M · min. income ≈ HK$146,450/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$908,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,655
−HK$4,142/mo
▼ 0.25% · 3.875%
HK$78,711
−HK$2,086/mo
Today · 4.125%
HK$80,797
baseline
▲ 0.50% · 4.625%
HK$85,056
+HK$4,259/mo
Deposit HK$6.48M · loan HK$15.11M · min. income ≈ HK$161,594/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$908,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,591
−HK$5,555/mo
▼ 0.25% · 3.875%
HK$91,347
−HK$2,799/mo
Today · 4.125%
HK$94,146
baseline
▲ 0.50% · 4.625%
HK$99,875
+HK$5,729/mo
Deposit HK$2.16M · loan HK$19.43M · min. income ≈ HK$188,292/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$908,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,557
−HK$5,324/mo
▼ 0.25% · 3.875%
HK$101,200
−HK$2,681/mo
Today · 4.125%
HK$103,881
baseline
▲ 0.50% · 4.625%
HK$109,357
+HK$5,476/mo
Deposit HK$2.16M · loan HK$19.43M · min. income ≈ HK$207,762/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$908,409 · Scale 2, in force from 26 Feb 2026)