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$49,203
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$50,733
−HK$1,555/mo
Today · 4.125%
HK$52,288
baseline
▲ 0.50% · 4.625%
HK$55,470
+HK$3,182/mo
Deposit HK$10.79M · loan HK$10.79M · min. income ≈ HK$104,576/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$907,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,738
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$56,206
−HK$1,489/mo
Today · 4.125%
HK$57,695
baseline
▲ 0.50% · 4.625%
HK$60,736
+HK$3,041/mo
Deposit HK$10.79M · loan HK$10.79M · min. income ≈ HK$115,390/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$907,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,043
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$60,880
−HK$1,866/mo
Today · 4.125%
HK$62,746
baseline
▲ 0.50% · 4.625%
HK$66,564
+HK$3,818/mo
Deposit HK$8.63M · loan HK$12.95M · min. income ≈ HK$125,492/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$907,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,685
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$67,447
−HK$1,787/mo
Today · 4.125%
HK$69,234
baseline
▲ 0.50% · 4.625%
HK$72,883
+HK$3,649/mo
Deposit HK$8.63M · loan HK$12.95M · min. income ≈ HK$138,468/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$907,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,884
−HK$4,320/mo
▼ 0.25% · 3.875%
HK$71,027
−HK$2,177/mo
Today · 4.125%
HK$73,204
baseline
▲ 0.50% · 4.625%
HK$77,658
+HK$4,454/mo
Deposit HK$6.47M · loan HK$15.10M · min. income ≈ HK$146,408/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$907,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,633
−HK$4,140/mo
▼ 0.25% · 3.875%
HK$78,688
−HK$2,085/mo
Today · 4.125%
HK$80,773
baseline
▲ 0.50% · 4.625%
HK$85,031
+HK$4,258/mo
Deposit HK$6.47M · loan HK$15.10M · min. income ≈ HK$161,546/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$907,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,565
−HK$5,554/mo
▼ 0.25% · 3.875%
HK$91,320
−HK$2,799/mo
Today · 4.125%
HK$94,119
baseline
▲ 0.50% · 4.625%
HK$99,846
+HK$5,727/mo
Deposit HK$2.16M · loan HK$19.42M · min. income ≈ HK$188,238/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$907,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,528
−HK$5,323/mo
▼ 0.25% · 3.875%
HK$101,170
−HK$2,681/mo
Today · 4.125%
HK$103,851
baseline
▲ 0.50% · 4.625%
HK$109,325
+HK$5,474/mo
Deposit HK$2.16M · loan HK$19.42M · min. income ≈ HK$207,702/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$907,780 · Scale 2, in force from 26 Feb 2026)