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$49,100
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$50,627
−HK$1,552/mo
Today · 4.125%
HK$52,179
baseline
▲ 0.50% · 4.625%
HK$55,354
+HK$3,175/mo
Deposit HK$10.77M · loan HK$10.77M · min. income ≈ HK$104,358/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$903,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,623
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$56,088
−HK$1,486/mo
Today · 4.125%
HK$57,574
baseline
▲ 0.50% · 4.625%
HK$60,609
+HK$3,035/mo
Deposit HK$10.77M · loan HK$10.77M · min. income ≈ HK$115,148/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$903,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,920
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$60,752
−HK$1,862/mo
Today · 4.125%
HK$62,614
baseline
▲ 0.50% · 4.625%
HK$66,424
+HK$3,810/mo
Deposit HK$8.61M · loan HK$12.92M · min. income ≈ HK$125,228/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$903,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,547
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$67,305
−HK$1,784/mo
Today · 4.125%
HK$69,089
baseline
▲ 0.50% · 4.625%
HK$72,731
+HK$3,642/mo
Deposit HK$8.61M · loan HK$12.92M · min. income ≈ HK$138,178/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$903,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,740
−HK$4,310/mo
▼ 0.25% · 3.875%
HK$70,878
−HK$2,172/mo
Today · 4.125%
HK$73,050
baseline
▲ 0.50% · 4.625%
HK$77,495
+HK$4,445/mo
Deposit HK$6.46M · loan HK$15.07M · min. income ≈ HK$146,100/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$903,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,472
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$78,523
−HK$2,081/mo
Today · 4.125%
HK$80,604
baseline
▲ 0.50% · 4.625%
HK$84,852
+HK$4,248/mo
Deposit HK$6.46M · loan HK$15.07M · min. income ≈ HK$161,208/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$903,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,379
−HK$5,543/mo
▼ 0.25% · 3.875%
HK$91,128
−HK$2,794/mo
Today · 4.125%
HK$93,922
baseline
▲ 0.50% · 4.625%
HK$99,636
+HK$5,714/mo
Deposit HK$2.15M · loan HK$19.38M · min. income ≈ HK$187,844/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$903,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,321
−HK$5,312/mo
▼ 0.25% · 3.875%
HK$100,958
−HK$2,675/mo
Today · 4.125%
HK$103,633
baseline
▲ 0.50% · 4.625%
HK$109,096
+HK$5,463/mo
Deposit HK$2.15M · loan HK$19.38M · min. income ≈ HK$207,266/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$903,252 · Scale 2, in force from 26 Feb 2026)