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$49,331
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$50,866
−HK$1,559/mo
Today · 4.125%
HK$52,425
baseline
▲ 0.50% · 4.625%
HK$55,615
+HK$3,190/mo
Deposit HK$10.82M · loan HK$10.82M · min. income ≈ HK$104,850/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$913,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,881
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$56,353
−HK$1,493/mo
Today · 4.125%
HK$57,846
baseline
▲ 0.50% · 4.625%
HK$60,895
+HK$3,049/mo
Deposit HK$10.82M · loan HK$10.82M · min. income ≈ HK$115,692/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$913,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,198
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$61,039
−HK$1,871/mo
Today · 4.125%
HK$62,910
baseline
▲ 0.50% · 4.625%
HK$66,738
+HK$3,828/mo
Deposit HK$8.65M · loan HK$12.98M · min. income ≈ HK$125,820/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$913,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,857
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$67,623
−HK$1,792/mo
Today · 4.125%
HK$69,415
baseline
▲ 0.50% · 4.625%
HK$73,074
+HK$3,659/mo
Deposit HK$8.65M · loan HK$12.98M · min. income ≈ HK$138,830/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$913,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,064
−HK$4,331/mo
▼ 0.25% · 3.875%
HK$71,212
−HK$2,183/mo
Today · 4.125%
HK$73,395
baseline
▲ 0.50% · 4.625%
HK$77,861
+HK$4,466/mo
Deposit HK$6.49M · loan HK$15.14M · min. income ≈ HK$146,790/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$913,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,833
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$78,894
−HK$2,090/mo
Today · 4.125%
HK$80,984
baseline
▲ 0.50% · 4.625%
HK$85,253
+HK$4,269/mo
Deposit HK$6.49M · loan HK$15.14M · min. income ≈ HK$161,968/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$913,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,796
−HK$5,569/mo
▼ 0.25% · 3.875%
HK$91,559
−HK$2,806/mo
Today · 4.125%
HK$94,365
baseline
▲ 0.50% · 4.625%
HK$100,107
+HK$5,742/mo
Deposit HK$2.16M · loan HK$19.47M · min. income ≈ HK$188,730/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$913,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,785
−HK$5,337/mo
▼ 0.25% · 3.875%
HK$101,435
−HK$2,687/mo
Today · 4.125%
HK$104,122
baseline
▲ 0.50% · 4.625%
HK$109,611
+HK$5,489/mo
Deposit HK$2.16M · loan HK$19.47M · min. income ≈ HK$208,244/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$913,413 · Scale 2, in force from 26 Feb 2026)