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$49,068
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$50,594
−HK$1,551/mo
Today · 4.125%
HK$52,145
baseline
▲ 0.50% · 4.625%
HK$55,318
+HK$3,173/mo
Deposit HK$10.76M · loan HK$10.76M · min. income ≈ HK$104,290/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$901,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,587
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$56,052
−HK$1,485/mo
Today · 4.125%
HK$57,537
baseline
▲ 0.50% · 4.625%
HK$60,570
+HK$3,033/mo
Deposit HK$10.76M · loan HK$10.76M · min. income ≈ HK$115,074/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$901,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,881
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$60,713
−HK$1,861/mo
Today · 4.125%
HK$62,574
baseline
▲ 0.50% · 4.625%
HK$66,381
+HK$3,807/mo
Deposit HK$8.61M · loan HK$12.91M · min. income ≈ HK$125,148/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$901,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,505
−HK$3,539/mo
▼ 0.25% · 3.875%
HK$67,262
−HK$1,782/mo
Today · 4.125%
HK$69,044
baseline
▲ 0.50% · 4.625%
HK$72,683
+HK$3,639/mo
Deposit HK$8.61M · loan HK$12.91M · min. income ≈ HK$138,088/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$901,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,695
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$70,832
−HK$2,171/mo
Today · 4.125%
HK$73,003
baseline
▲ 0.50% · 4.625%
HK$77,445
+HK$4,442/mo
Deposit HK$6.46M · loan HK$15.06M · min. income ≈ HK$146,006/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$901,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,422
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$78,472
−HK$2,079/mo
Today · 4.125%
HK$80,551
baseline
▲ 0.50% · 4.625%
HK$84,797
+HK$4,246/mo
Deposit HK$6.46M · loan HK$15.06M · min. income ≈ HK$161,102/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$901,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,322
−HK$5,539/mo
▼ 0.25% · 3.875%
HK$91,069
−HK$2,792/mo
Today · 4.125%
HK$93,861
baseline
▲ 0.50% · 4.625%
HK$99,572
+HK$5,711/mo
Deposit HK$2.15M · loan HK$19.37M · min. income ≈ HK$187,722/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$901,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,257
−HK$5,309/mo
▼ 0.25% · 3.875%
HK$100,893
−HK$2,673/mo
Today · 4.125%
HK$103,566
baseline
▲ 0.50% · 4.625%
HK$109,025
+HK$5,459/mo
Deposit HK$2.15M · loan HK$19.37M · min. income ≈ HK$207,132/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$901,857 · Scale 2, in force from 26 Feb 2026)