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$49,393
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$50,930
−HK$1,561/mo
Today · 4.125%
HK$52,491
baseline
▲ 0.50% · 4.625%
HK$55,685
+HK$3,194/mo
Deposit HK$10.83M · loan HK$10.83M · min. income ≈ HK$104,982/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$916,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,950
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$56,423
−HK$1,495/mo
Today · 4.125%
HK$57,918
baseline
▲ 0.50% · 4.625%
HK$60,971
+HK$3,053/mo
Deposit HK$10.83M · loan HK$10.83M · min. income ≈ HK$115,836/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$916,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,272
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$61,116
−HK$1,873/mo
Today · 4.125%
HK$62,989
baseline
▲ 0.50% · 4.625%
HK$66,822
+HK$3,833/mo
Deposit HK$8.66M · loan HK$13.00M · min. income ≈ HK$125,978/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$916,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,939
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$67,708
−HK$1,794/mo
Today · 4.125%
HK$69,502
baseline
▲ 0.50% · 4.625%
HK$73,165
+HK$3,663/mo
Deposit HK$8.66M · loan HK$13.00M · min. income ≈ HK$139,004/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$916,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,151
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$71,302
−HK$2,185/mo
Today · 4.125%
HK$73,487
baseline
▲ 0.50% · 4.625%
HK$77,958
+HK$4,471/mo
Deposit HK$6.50M · loan HK$15.16M · min. income ≈ HK$146,974/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$916,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,929
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$78,993
−HK$2,093/mo
Today · 4.125%
HK$81,086
baseline
▲ 0.50% · 4.625%
HK$85,360
+HK$4,274/mo
Deposit HK$6.50M · loan HK$15.16M · min. income ≈ HK$162,172/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$916,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,908
−HK$5,575/mo
▼ 0.25% · 3.875%
HK$91,673
−HK$2,810/mo
Today · 4.125%
HK$94,483
baseline
▲ 0.50% · 4.625%
HK$100,232
+HK$5,749/mo
Deposit HK$2.17M · loan HK$19.50M · min. income ≈ HK$188,966/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$916,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,909
−HK$5,344/mo
▼ 0.25% · 3.875%
HK$101,562
−HK$2,691/mo
Today · 4.125%
HK$104,253
baseline
▲ 0.50% · 4.625%
HK$109,748
+HK$5,495/mo
Deposit HK$2.17M · loan HK$19.50M · min. income ≈ HK$208,506/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$916,129 · Scale 2, in force from 26 Feb 2026)