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$49,290
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$50,823
−HK$1,557/mo
Today · 4.125%
HK$52,380
baseline
▲ 0.50% · 4.625%
HK$55,568
+HK$3,188/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$104,760/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$911,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,834
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$56,305
−HK$1,492/mo
Today · 4.125%
HK$57,797
baseline
▲ 0.50% · 4.625%
HK$60,843
+HK$3,046/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$115,594/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$911,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,147
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$60,987
−HK$1,870/mo
Today · 4.125%
HK$62,857
baseline
▲ 0.50% · 4.625%
HK$66,681
+HK$3,824/mo
Deposit HK$8.65M · loan HK$12.97M · min. income ≈ HK$125,714/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$911,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,801
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$67,566
−HK$1,790/mo
Today · 4.125%
HK$69,356
baseline
▲ 0.50% · 4.625%
HK$73,012
+HK$3,656/mo
Deposit HK$8.65M · loan HK$12.97M · min. income ≈ HK$138,712/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$911,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,005
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$71,152
−HK$2,181/mo
Today · 4.125%
HK$73,333
baseline
▲ 0.50% · 4.625%
HK$77,795
+HK$4,462/mo
Deposit HK$6.48M · loan HK$15.13M · min. income ≈ HK$146,666/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$911,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,768
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$78,827
−HK$2,088/mo
Today · 4.125%
HK$80,915
baseline
▲ 0.50% · 4.625%
HK$85,181
+HK$4,266/mo
Deposit HK$6.48M · loan HK$15.13M · min. income ≈ HK$161,830/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$911,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,721
−HK$5,564/mo
▼ 0.25% · 3.875%
HK$91,481
−HK$2,804/mo
Today · 4.125%
HK$94,285
baseline
▲ 0.50% · 4.625%
HK$100,022
+HK$5,737/mo
Deposit HK$2.16M · loan HK$19.45M · min. income ≈ HK$188,570/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$911,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,701
−HK$5,333/mo
▼ 0.25% · 3.875%
HK$101,349
−HK$2,685/mo
Today · 4.125%
HK$104,034
baseline
▲ 0.50% · 4.625%
HK$109,518
+HK$5,484/mo
Deposit HK$2.16M · loan HK$19.45M · min. income ≈ HK$208,068/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$911,581 · Scale 2, in force from 26 Feb 2026)