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$49,295
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$50,829
−HK$1,558/mo
Today · 4.125%
HK$52,387
baseline
▲ 0.50% · 4.625%
HK$55,574
+HK$3,187/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$104,774/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$911,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,841
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$56,311
−HK$1,493/mo
Today · 4.125%
HK$57,804
baseline
▲ 0.50% · 4.625%
HK$60,850
+HK$3,046/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$115,608/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$911,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,155
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$60,995
−HK$1,869/mo
Today · 4.125%
HK$62,864
baseline
▲ 0.50% · 4.625%
HK$66,689
+HK$3,825/mo
Deposit HK$8.65M · loan HK$12.97M · min. income ≈ HK$125,728/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$911,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,809
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$67,574
−HK$1,790/mo
Today · 4.125%
HK$69,364
baseline
▲ 0.50% · 4.625%
HK$73,021
+HK$3,657/mo
Deposit HK$8.65M · loan HK$12.97M · min. income ≈ HK$138,728/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$911,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,014
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$71,160
−HK$2,181/mo
Today · 4.125%
HK$73,341
baseline
▲ 0.50% · 4.625%
HK$77,804
+HK$4,463/mo
Deposit HK$6.49M · loan HK$15.13M · min. income ≈ HK$146,682/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$911,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,777
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$78,836
−HK$2,089/mo
Today · 4.125%
HK$80,925
baseline
▲ 0.50% · 4.625%
HK$85,191
+HK$4,266/mo
Deposit HK$6.49M · loan HK$15.13M · min. income ≈ HK$161,850/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$911,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,732
−HK$5,564/mo
▼ 0.25% · 3.875%
HK$91,492
−HK$2,804/mo
Today · 4.125%
HK$94,296
baseline
▲ 0.50% · 4.625%
HK$100,034
+HK$5,738/mo
Deposit HK$2.16M · loan HK$19.46M · min. income ≈ HK$188,592/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$911,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,713
−HK$5,333/mo
▼ 0.25% · 3.875%
HK$101,361
−HK$2,685/mo
Today · 4.125%
HK$104,046
baseline
▲ 0.50% · 4.625%
HK$109,531
+HK$5,485/mo
Deposit HK$2.16M · loan HK$19.46M · min. income ≈ HK$208,092/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$911,838 · Scale 2, in force from 26 Feb 2026)