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$49,165
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$50,694
−HK$1,554/mo
Today · 4.125%
HK$52,248
baseline
▲ 0.50% · 4.625%
HK$55,427
+HK$3,179/mo
Deposit HK$10.78M · loan HK$10.78M · min. income ≈ HK$104,496/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$906,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,695
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$56,162
−HK$1,488/mo
Today · 4.125%
HK$57,650
baseline
▲ 0.50% · 4.625%
HK$60,689
+HK$3,039/mo
Deposit HK$10.78M · loan HK$10.78M · min. income ≈ HK$115,300/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$906,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,998
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$60,833
−HK$1,865/mo
Today · 4.125%
HK$62,698
baseline
▲ 0.50% · 4.625%
HK$66,513
+HK$3,815/mo
Deposit HK$8.62M · loan HK$12.94M · min. income ≈ HK$125,396/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$906,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,635
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$67,395
−HK$1,786/mo
Today · 4.125%
HK$69,181
baseline
▲ 0.50% · 4.625%
HK$72,827
+HK$3,646/mo
Deposit HK$8.62M · loan HK$12.94M · min. income ≈ HK$138,362/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$906,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,831
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$70,972
−HK$2,175/mo
Today · 4.125%
HK$73,147
baseline
▲ 0.50% · 4.625%
HK$77,598
+HK$4,451/mo
Deposit HK$6.47M · loan HK$15.09M · min. income ≈ HK$146,294/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$906,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,574
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$78,627
−HK$2,084/mo
Today · 4.125%
HK$80,711
baseline
▲ 0.50% · 4.625%
HK$84,965
+HK$4,254/mo
Deposit HK$6.47M · loan HK$15.09M · min. income ≈ HK$161,422/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$906,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,497
−HK$5,549/mo
▼ 0.25% · 3.875%
HK$91,250
−HK$2,796/mo
Today · 4.125%
HK$94,046
baseline
▲ 0.50% · 4.625%
HK$99,769
+HK$5,723/mo
Deposit HK$2.16M · loan HK$19.41M · min. income ≈ HK$188,092/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$906,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,452
−HK$5,319/mo
▼ 0.25% · 3.875%
HK$101,092
−HK$2,679/mo
Today · 4.125%
HK$103,771
baseline
▲ 0.50% · 4.625%
HK$109,241
+HK$5,470/mo
Deposit HK$2.16M · loan HK$19.41M · min. income ≈ HK$207,542/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$906,112 · Scale 2, in force from 26 Feb 2026)