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$49,309
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$50,842
−HK$1,559/mo
Today · 4.125%
HK$52,401
baseline
▲ 0.50% · 4.625%
HK$55,589
+HK$3,188/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$104,802/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$912,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,855
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$56,327
−HK$1,492/mo
Today · 4.125%
HK$57,819
baseline
▲ 0.50% · 4.625%
HK$60,867
+HK$3,048/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$115,638/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$912,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,170
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$61,011
−HK$1,870/mo
Today · 4.125%
HK$62,881
baseline
▲ 0.50% · 4.625%
HK$66,707
+HK$3,826/mo
Deposit HK$8.65M · loan HK$12.97M · min. income ≈ HK$125,762/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$912,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,826
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$67,592
−HK$1,791/mo
Today · 4.125%
HK$69,383
baseline
▲ 0.50% · 4.625%
HK$73,040
+HK$3,657/mo
Deposit HK$8.65M · loan HK$12.97M · min. income ≈ HK$138,766/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$912,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,032
−HK$4,329/mo
▼ 0.25% · 3.875%
HK$71,179
−HK$2,182/mo
Today · 4.125%
HK$73,361
baseline
▲ 0.50% · 4.625%
HK$77,825
+HK$4,464/mo
Deposit HK$6.49M · loan HK$15.14M · min. income ≈ HK$146,722/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$912,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,797
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$78,857
−HK$2,090/mo
Today · 4.125%
HK$80,947
baseline
▲ 0.50% · 4.625%
HK$85,213
+HK$4,266/mo
Deposit HK$6.49M · loan HK$15.14M · min. income ≈ HK$161,894/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$912,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,755
−HK$5,566/mo
▼ 0.25% · 3.875%
HK$91,516
−HK$2,805/mo
Today · 4.125%
HK$94,321
baseline
▲ 0.50% · 4.625%
HK$100,060
+HK$5,739/mo
Deposit HK$2.16M · loan HK$19.46M · min. income ≈ HK$188,642/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$912,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,740
−HK$5,334/mo
▼ 0.25% · 3.875%
HK$101,388
−HK$2,686/mo
Today · 4.125%
HK$104,074
baseline
▲ 0.50% · 4.625%
HK$109,560
+HK$5,486/mo
Deposit HK$2.16M · loan HK$19.46M · min. income ≈ HK$208,148/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$912,415 · Scale 2, in force from 26 Feb 2026)