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$49,216
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$50,747
−HK$1,556/mo
Today · 4.125%
HK$52,303
baseline
▲ 0.50% · 4.625%
HK$55,485
+HK$3,182/mo
Deposit HK$10.79M · loan HK$10.79M · min. income ≈ HK$104,606/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$908,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,753
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$56,221
−HK$1,490/mo
Today · 4.125%
HK$57,711
baseline
▲ 0.50% · 4.625%
HK$60,753
+HK$3,042/mo
Deposit HK$10.79M · loan HK$10.79M · min. income ≈ HK$115,422/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$908,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,060
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$60,897
−HK$1,866/mo
Today · 4.125%
HK$62,763
baseline
▲ 0.50% · 4.625%
HK$66,582
+HK$3,819/mo
Deposit HK$8.63M · loan HK$12.95M · min. income ≈ HK$125,526/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$908,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,703
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$67,465
−HK$1,788/mo
Today · 4.125%
HK$69,253
baseline
▲ 0.50% · 4.625%
HK$72,904
+HK$3,651/mo
Deposit HK$8.63M · loan HK$12.95M · min. income ≈ HK$138,506/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$908,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,903
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$71,046
−HK$2,178/mo
Today · 4.125%
HK$73,224
baseline
▲ 0.50% · 4.625%
HK$77,679
+HK$4,455/mo
Deposit HK$6.48M · loan HK$15.11M · min. income ≈ HK$146,448/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$908,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,654
−HK$4,141/mo
▼ 0.25% · 3.875%
HK$78,710
−HK$2,085/mo
Today · 4.125%
HK$80,795
baseline
▲ 0.50% · 4.625%
HK$85,054
+HK$4,259/mo
Deposit HK$6.48M · loan HK$15.11M · min. income ≈ HK$161,590/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$908,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,590
−HK$5,555/mo
▼ 0.25% · 3.875%
HK$91,345
−HK$2,800/mo
Today · 4.125%
HK$94,145
baseline
▲ 0.50% · 4.625%
HK$99,873
+HK$5,728/mo
Deposit HK$2.16M · loan HK$19.43M · min. income ≈ HK$188,290/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$908,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,555
−HK$5,325/mo
▼ 0.25% · 3.875%
HK$101,198
−HK$2,682/mo
Today · 4.125%
HK$103,880
baseline
▲ 0.50% · 4.625%
HK$109,355
+HK$5,475/mo
Deposit HK$2.16M · loan HK$19.43M · min. income ≈ HK$207,760/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$908,374 · Scale 2, in force from 26 Feb 2026)