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$49,104
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$50,631
−HK$1,552/mo
Today · 4.125%
HK$52,183
baseline
▲ 0.50% · 4.625%
HK$55,358
+HK$3,175/mo
Deposit HK$10.77M · loan HK$10.77M · min. income ≈ HK$104,366/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$903,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,628
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$56,093
−HK$1,486/mo
Today · 4.125%
HK$57,579
baseline
▲ 0.50% · 4.625%
HK$60,614
+HK$3,035/mo
Deposit HK$10.77M · loan HK$10.77M · min. income ≈ HK$115,158/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$903,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,925
−HK$3,695/mo
▼ 0.25% · 3.875%
HK$60,758
−HK$1,862/mo
Today · 4.125%
HK$62,620
baseline
▲ 0.50% · 4.625%
HK$66,430
+HK$3,810/mo
Deposit HK$8.61M · loan HK$12.92M · min. income ≈ HK$125,240/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$903,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,553
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$67,311
−HK$1,784/mo
Today · 4.125%
HK$69,095
baseline
▲ 0.50% · 4.625%
HK$72,737
+HK$3,642/mo
Deposit HK$8.61M · loan HK$12.92M · min. income ≈ HK$138,190/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$903,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,745
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$70,884
−HK$2,172/mo
Today · 4.125%
HK$73,056
baseline
▲ 0.50% · 4.625%
HK$77,502
+HK$4,446/mo
Deposit HK$6.46M · loan HK$15.07M · min. income ≈ HK$146,112/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$903,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,479
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$78,530
−HK$2,080/mo
Today · 4.125%
HK$80,610
baseline
▲ 0.50% · 4.625%
HK$84,860
+HK$4,250/mo
Deposit HK$6.46M · loan HK$15.07M · min. income ≈ HK$161,220/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$903,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,387
−HK$5,543/mo
▼ 0.25% · 3.875%
HK$91,136
−HK$2,794/mo
Today · 4.125%
HK$93,930
baseline
▲ 0.50% · 4.625%
HK$99,645
+HK$5,715/mo
Deposit HK$2.15M · loan HK$19.38M · min. income ≈ HK$187,860/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$903,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,330
−HK$5,312/mo
▼ 0.25% · 3.875%
HK$100,967
−HK$2,675/mo
Today · 4.125%
HK$103,642
baseline
▲ 0.50% · 4.625%
HK$109,105
+HK$5,463/mo
Deposit HK$2.15M · loan HK$19.38M · min. income ≈ HK$207,284/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$903,436 · Scale 2, in force from 26 Feb 2026)