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$49,095
−HK$3,078/mo
▼ 0.25% · 3.875%
HK$50,622
−HK$1,551/mo
Today · 4.125%
HK$52,173
baseline
▲ 0.50% · 4.625%
HK$55,348
+HK$3,175/mo
Deposit HK$10.77M · loan HK$10.77M · min. income ≈ HK$104,346/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$903,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,617
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$56,082
−HK$1,486/mo
Today · 4.125%
HK$57,568
baseline
▲ 0.50% · 4.625%
HK$60,603
+HK$3,035/mo
Deposit HK$10.77M · loan HK$10.77M · min. income ≈ HK$115,136/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$903,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,914
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$60,746
−HK$1,862/mo
Today · 4.125%
HK$62,608
baseline
▲ 0.50% · 4.625%
HK$66,417
+HK$3,809/mo
Deposit HK$8.61M · loan HK$12.92M · min. income ≈ HK$125,216/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$903,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,541
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$67,298
−HK$1,784/mo
Today · 4.125%
HK$69,082
baseline
▲ 0.50% · 4.625%
HK$72,723
+HK$3,641/mo
Deposit HK$8.61M · loan HK$12.92M · min. income ≈ HK$138,164/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$903,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,732
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$70,870
−HK$2,173/mo
Today · 4.125%
HK$73,043
baseline
▲ 0.50% · 4.625%
HK$77,487
+HK$4,444/mo
Deposit HK$6.46M · loan HK$15.07M · min. income ≈ HK$146,086/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$903,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,464
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$78,515
−HK$2,080/mo
Today · 4.125%
HK$80,595
baseline
▲ 0.50% · 4.625%
HK$84,844
+HK$4,249/mo
Deposit HK$6.46M · loan HK$15.07M · min. income ≈ HK$161,190/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$903,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,370
−HK$5,542/mo
▼ 0.25% · 3.875%
HK$91,119
−HK$2,793/mo
Today · 4.125%
HK$93,912
baseline
▲ 0.50% · 4.625%
HK$99,626
+HK$5,714/mo
Deposit HK$2.15M · loan HK$19.38M · min. income ≈ HK$187,824/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$903,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,311
−HK$5,312/mo
▼ 0.25% · 3.875%
HK$100,948
−HK$2,675/mo
Today · 4.125%
HK$103,623
baseline
▲ 0.50% · 4.625%
HK$109,085
+HK$5,462/mo
Deposit HK$2.15M · loan HK$19.38M · min. income ≈ HK$207,246/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$903,031 · Scale 2, in force from 26 Feb 2026)