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$49,291
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$50,824
−HK$1,558/mo
Today · 4.125%
HK$52,382
baseline
▲ 0.50% · 4.625%
HK$55,569
+HK$3,187/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$104,764/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$911,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,836
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$56,307
−HK$1,492/mo
Today · 4.125%
HK$57,799
baseline
▲ 0.50% · 4.625%
HK$60,845
+HK$3,046/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$115,598/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$911,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,149
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$60,989
−HK$1,870/mo
Today · 4.125%
HK$62,859
baseline
▲ 0.50% · 4.625%
HK$66,683
+HK$3,824/mo
Deposit HK$8.65M · loan HK$12.97M · min. income ≈ HK$125,718/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$911,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,803
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$67,568
−HK$1,790/mo
Today · 4.125%
HK$69,358
baseline
▲ 0.50% · 4.625%
HK$73,014
+HK$3,656/mo
Deposit HK$8.65M · loan HK$12.97M · min. income ≈ HK$138,716/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$911,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,008
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$71,154
−HK$2,181/mo
Today · 4.125%
HK$73,335
baseline
▲ 0.50% · 4.625%
HK$77,797
+HK$4,462/mo
Deposit HK$6.48M · loan HK$15.13M · min. income ≈ HK$146,670/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$911,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,770
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$78,829
−HK$2,089/mo
Today · 4.125%
HK$80,918
baseline
▲ 0.50% · 4.625%
HK$85,183
+HK$4,265/mo
Deposit HK$6.48M · loan HK$15.13M · min. income ≈ HK$161,836/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$911,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,724
−HK$5,564/mo
▼ 0.25% · 3.875%
HK$91,484
−HK$2,804/mo
Today · 4.125%
HK$94,288
baseline
▲ 0.50% · 4.625%
HK$100,025
+HK$5,737/mo
Deposit HK$2.16M · loan HK$19.45M · min. income ≈ HK$188,576/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$911,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,705
−HK$5,332/mo
▼ 0.25% · 3.875%
HK$101,352
−HK$2,685/mo
Today · 4.125%
HK$104,037
baseline
▲ 0.50% · 4.625%
HK$109,521
+HK$5,484/mo
Deposit HK$2.16M · loan HK$19.45M · min. income ≈ HK$208,074/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$911,651 · Scale 2, in force from 26 Feb 2026)