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$49,277
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$50,810
−HK$1,557/mo
Today · 4.125%
HK$52,367
baseline
▲ 0.50% · 4.625%
HK$55,554
+HK$3,187/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$104,734/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$911,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,821
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$56,291
−HK$1,491/mo
Today · 4.125%
HK$57,782
baseline
▲ 0.50% · 4.625%
HK$60,828
+HK$3,046/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$115,564/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$911,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,133
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$60,972
−HK$1,869/mo
Today · 4.125%
HK$62,841
baseline
▲ 0.50% · 4.625%
HK$66,665
+HK$3,824/mo
Deposit HK$8.64M · loan HK$12.97M · min. income ≈ HK$125,682/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$911,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,785
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$67,549
−HK$1,790/mo
Today · 4.125%
HK$69,339
baseline
▲ 0.50% · 4.625%
HK$72,994
+HK$3,655/mo
Deposit HK$8.64M · loan HK$12.97M · min. income ≈ HK$138,678/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$911,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,988
−HK$4,326/mo
▼ 0.25% · 3.875%
HK$71,134
−HK$2,180/mo
Today · 4.125%
HK$73,314
baseline
▲ 0.50% · 4.625%
HK$77,775
+HK$4,461/mo
Deposit HK$6.48M · loan HK$15.13M · min. income ≈ HK$146,628/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$911,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,749
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$78,807
−HK$2,088/mo
Today · 4.125%
HK$80,895
baseline
▲ 0.50% · 4.625%
HK$85,159
+HK$4,264/mo
Deposit HK$6.48M · loan HK$15.13M · min. income ≈ HK$161,790/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$911,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,699
−HK$5,562/mo
▼ 0.25% · 3.875%
HK$91,458
−HK$2,803/mo
Today · 4.125%
HK$94,261
baseline
▲ 0.50% · 4.625%
HK$99,997
+HK$5,736/mo
Deposit HK$2.16M · loan HK$19.45M · min. income ≈ HK$188,522/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$911,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,677
−HK$5,331/mo
▼ 0.25% · 3.875%
HK$101,323
−HK$2,685/mo
Today · 4.125%
HK$104,008
baseline
▲ 0.50% · 4.625%
HK$109,491
+HK$5,483/mo
Deposit HK$2.16M · loan HK$19.45M · min. income ≈ HK$208,016/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$911,043 · Scale 2, in force from 26 Feb 2026)