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$49,112
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$50,640
−HK$1,552/mo
Today · 4.125%
HK$52,192
baseline
▲ 0.50% · 4.625%
HK$55,368
+HK$3,176/mo
Deposit HK$10.77M · loan HK$10.77M · min. income ≈ HK$104,384/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$903,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,637
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$56,102
−HK$1,487/mo
Today · 4.125%
HK$57,589
baseline
▲ 0.50% · 4.625%
HK$60,624
+HK$3,035/mo
Deposit HK$10.77M · loan HK$10.77M · min. income ≈ HK$115,178/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$903,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,934
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$60,768
−HK$1,862/mo
Today · 4.125%
HK$62,630
baseline
▲ 0.50% · 4.625%
HK$66,441
+HK$3,811/mo
Deposit HK$8.62M · loan HK$12.92M · min. income ≈ HK$125,260/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$903,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,564
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$67,322
−HK$1,784/mo
Today · 4.125%
HK$69,106
baseline
▲ 0.50% · 4.625%
HK$72,749
+HK$3,643/mo
Deposit HK$8.62M · loan HK$12.92M · min. income ≈ HK$138,212/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$903,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,757
−HK$4,312/mo
▼ 0.25% · 3.875%
HK$70,896
−HK$2,173/mo
Today · 4.125%
HK$73,069
baseline
▲ 0.50% · 4.625%
HK$77,515
+HK$4,446/mo
Deposit HK$6.46M · loan HK$15.08M · min. income ≈ HK$146,138/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$903,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,491
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$78,543
−HK$2,081/mo
Today · 4.125%
HK$80,624
baseline
▲ 0.50% · 4.625%
HK$84,874
+HK$4,250/mo
Deposit HK$6.46M · loan HK$15.08M · min. income ≈ HK$161,248/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$903,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,402
−HK$5,543/mo
▼ 0.25% · 3.875%
HK$91,151
−HK$2,794/mo
Today · 4.125%
HK$93,945
baseline
▲ 0.50% · 4.625%
HK$99,662
+HK$5,717/mo
Deposit HK$2.15M · loan HK$19.38M · min. income ≈ HK$187,890/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$903,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,346
−HK$5,313/mo
▼ 0.25% · 3.875%
HK$100,984
−HK$2,675/mo
Today · 4.125%
HK$103,659
baseline
▲ 0.50% · 4.625%
HK$109,123
+HK$5,464/mo
Deposit HK$2.15M · loan HK$19.38M · min. income ≈ HK$207,318/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$903,795 · Scale 2, in force from 26 Feb 2026)