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$49,295
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$50,828
−HK$1,558/mo
Today · 4.125%
HK$52,386
baseline
▲ 0.50% · 4.625%
HK$55,574
+HK$3,188/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$104,772/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$911,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,840
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$56,311
−HK$1,492/mo
Today · 4.125%
HK$57,803
baseline
▲ 0.50% · 4.625%
HK$60,850
+HK$3,047/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$115,606/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$911,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,154
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$60,994
−HK$1,869/mo
Today · 4.125%
HK$62,863
baseline
▲ 0.50% · 4.625%
HK$66,688
+HK$3,825/mo
Deposit HK$8.65M · loan HK$12.97M · min. income ≈ HK$125,726/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$911,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,808
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$67,573
−HK$1,791/mo
Today · 4.125%
HK$69,364
baseline
▲ 0.50% · 4.625%
HK$73,020
+HK$3,656/mo
Deposit HK$8.65M · loan HK$12.97M · min. income ≈ HK$138,728/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$911,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,013
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$71,160
−HK$2,181/mo
Today · 4.125%
HK$73,341
baseline
▲ 0.50% · 4.625%
HK$77,803
+HK$4,462/mo
Deposit HK$6.49M · loan HK$15.13M · min. income ≈ HK$146,682/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$911,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,776
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$78,835
−HK$2,089/mo
Today · 4.125%
HK$80,924
baseline
▲ 0.50% · 4.625%
HK$85,190
+HK$4,266/mo
Deposit HK$6.49M · loan HK$15.13M · min. income ≈ HK$161,848/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$911,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,731
−HK$5,564/mo
▼ 0.25% · 3.875%
HK$91,491
−HK$2,804/mo
Today · 4.125%
HK$94,295
baseline
▲ 0.50% · 4.625%
HK$100,033
+HK$5,738/mo
Deposit HK$2.16M · loan HK$19.46M · min. income ≈ HK$188,590/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$911,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,712
−HK$5,333/mo
▼ 0.25% · 3.875%
HK$101,360
−HK$2,685/mo
Today · 4.125%
HK$104,045
baseline
▲ 0.50% · 4.625%
HK$109,530
+HK$5,485/mo
Deposit HK$2.16M · loan HK$19.46M · min. income ≈ HK$208,090/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$911,815 · Scale 2, in force from 26 Feb 2026)