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$49,363
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$50,898
−HK$1,560/mo
Today · 4.125%
HK$52,458
baseline
▲ 0.50% · 4.625%
HK$55,650
+HK$3,192/mo
Deposit HK$10.82M · loan HK$10.82M · min. income ≈ HK$104,916/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$914,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,916
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$56,388
−HK$1,494/mo
Today · 4.125%
HK$57,882
baseline
▲ 0.50% · 4.625%
HK$60,934
+HK$3,052/mo
Deposit HK$10.82M · loan HK$10.82M · min. income ≈ HK$115,764/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$914,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,235
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$61,078
−HK$1,872/mo
Today · 4.125%
HK$62,950
baseline
▲ 0.50% · 4.625%
HK$66,780
+HK$3,830/mo
Deposit HK$8.66M · loan HK$12.99M · min. income ≈ HK$125,900/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$914,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,899
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$67,666
−HK$1,793/mo
Today · 4.125%
HK$69,459
baseline
▲ 0.50% · 4.625%
HK$73,120
+HK$3,661/mo
Deposit HK$8.66M · loan HK$12.99M · min. income ≈ HK$138,918/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$914,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,108
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$71,257
−HK$2,185/mo
Today · 4.125%
HK$73,442
baseline
▲ 0.50% · 4.625%
HK$77,910
+HK$4,468/mo
Deposit HK$6.49M · loan HK$15.15M · min. income ≈ HK$146,884/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$914,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,882
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$78,944
−HK$2,091/mo
Today · 4.125%
HK$81,035
baseline
▲ 0.50% · 4.625%
HK$85,307
+HK$4,272/mo
Deposit HK$6.49M · loan HK$15.15M · min. income ≈ HK$162,070/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$914,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,853
−HK$5,572/mo
▼ 0.25% · 3.875%
HK$91,617
−HK$2,808/mo
Today · 4.125%
HK$94,425
baseline
▲ 0.50% · 4.625%
HK$100,170
+HK$5,745/mo
Deposit HK$2.16M · loan HK$19.48M · min. income ≈ HK$188,850/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$914,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,848
−HK$5,340/mo
▼ 0.25% · 3.875%
HK$101,499
−HK$2,689/mo
Today · 4.125%
HK$104,188
baseline
▲ 0.50% · 4.625%
HK$109,680
+HK$5,492/mo
Deposit HK$2.16M · loan HK$19.48M · min. income ≈ HK$208,376/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$914,789 · Scale 2, in force from 26 Feb 2026)