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$49,118
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$50,646
−HK$1,552/mo
Today · 4.125%
HK$52,198
baseline
▲ 0.50% · 4.625%
HK$55,374
+HK$3,176/mo
Deposit HK$10.77M · loan HK$10.77M · min. income ≈ HK$104,396/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$904,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,643
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$56,109
−HK$1,486/mo
Today · 4.125%
HK$57,595
baseline
▲ 0.50% · 4.625%
HK$60,631
+HK$3,036/mo
Deposit HK$10.77M · loan HK$10.77M · min. income ≈ HK$115,190/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$904,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,942
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$60,775
−HK$1,863/mo
Today · 4.125%
HK$62,638
baseline
▲ 0.50% · 4.625%
HK$66,449
+HK$3,811/mo
Deposit HK$8.62M · loan HK$12.92M · min. income ≈ HK$125,276/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$904,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,572
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$67,330
−HK$1,784/mo
Today · 4.125%
HK$69,114
baseline
▲ 0.50% · 4.625%
HK$72,758
+HK$3,644/mo
Deposit HK$8.62M · loan HK$12.92M · min. income ≈ HK$138,228/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$904,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,765
−HK$4,312/mo
▼ 0.25% · 3.875%
HK$70,904
−HK$2,173/mo
Today · 4.125%
HK$73,077
baseline
▲ 0.50% · 4.625%
HK$77,524
+HK$4,447/mo
Deposit HK$6.46M · loan HK$15.08M · min. income ≈ HK$146,154/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$904,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,500
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$78,552
−HK$2,082/mo
Today · 4.125%
HK$80,634
baseline
▲ 0.50% · 4.625%
HK$84,884
+HK$4,250/mo
Deposit HK$6.46M · loan HK$15.08M · min. income ≈ HK$161,268/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$904,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,412
−HK$5,544/mo
▼ 0.25% · 3.875%
HK$91,162
−HK$2,794/mo
Today · 4.125%
HK$93,956
baseline
▲ 0.50% · 4.625%
HK$99,674
+HK$5,718/mo
Deposit HK$2.15M · loan HK$19.39M · min. income ≈ HK$187,912/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$904,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,358
−HK$5,314/mo
▼ 0.25% · 3.875%
HK$100,996
−HK$2,676/mo
Today · 4.125%
HK$103,672
baseline
▲ 0.50% · 4.625%
HK$109,136
+HK$5,464/mo
Deposit HK$2.15M · loan HK$19.39M · min. income ≈ HK$207,344/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$904,053 · Scale 2, in force from 26 Feb 2026)