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$49,293
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$50,826
−HK$1,558/mo
Today · 4.125%
HK$52,384
baseline
▲ 0.50% · 4.625%
HK$55,572
+HK$3,188/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$104,768/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$911,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,838
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$56,309
−HK$1,492/mo
Today · 4.125%
HK$57,801
baseline
▲ 0.50% · 4.625%
HK$60,847
+HK$3,046/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$115,602/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$911,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,152
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$60,992
−HK$1,869/mo
Today · 4.125%
HK$62,861
baseline
▲ 0.50% · 4.625%
HK$66,686
+HK$3,825/mo
Deposit HK$8.65M · loan HK$12.97M · min. income ≈ HK$125,722/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$911,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,806
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$67,570
−HK$1,791/mo
Today · 4.125%
HK$69,361
baseline
▲ 0.50% · 4.625%
HK$73,017
+HK$3,656/mo
Deposit HK$8.65M · loan HK$12.97M · min. income ≈ HK$138,722/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$911,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,010
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$71,157
−HK$2,181/mo
Today · 4.125%
HK$73,338
baseline
▲ 0.50% · 4.625%
HK$77,800
+HK$4,462/mo
Deposit HK$6.49M · loan HK$15.13M · min. income ≈ HK$146,676/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$911,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,773
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$78,832
−HK$2,089/mo
Today · 4.125%
HK$80,921
baseline
▲ 0.50% · 4.625%
HK$85,186
+HK$4,265/mo
Deposit HK$6.49M · loan HK$15.13M · min. income ≈ HK$161,842/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$911,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,727
−HK$5,564/mo
▼ 0.25% · 3.875%
HK$91,487
−HK$2,804/mo
Today · 4.125%
HK$94,291
baseline
▲ 0.50% · 4.625%
HK$100,029
+HK$5,738/mo
Deposit HK$2.16M · loan HK$19.46M · min. income ≈ HK$188,582/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$911,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,708
−HK$5,333/mo
▼ 0.25% · 3.875%
HK$101,356
−HK$2,685/mo
Today · 4.125%
HK$104,041
baseline
▲ 0.50% · 4.625%
HK$109,525
+HK$5,484/mo
Deposit HK$2.16M · loan HK$19.46M · min. income ≈ HK$208,082/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$911,731 · Scale 2, in force from 26 Feb 2026)