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$49,083
−HK$3,078/mo
▼ 0.25% · 3.875%
HK$50,610
−HK$1,551/mo
Today · 4.125%
HK$52,161
baseline
▲ 0.50% · 4.625%
HK$55,335
+HK$3,174/mo
Deposit HK$10.76M · loan HK$10.76M · min. income ≈ HK$104,322/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$902,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,605
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$56,069
−HK$1,486/mo
Today · 4.125%
HK$57,555
baseline
▲ 0.50% · 4.625%
HK$60,589
+HK$3,034/mo
Deposit HK$10.76M · loan HK$10.76M · min. income ≈ HK$115,110/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$902,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,900
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$60,732
−HK$1,862/mo
Today · 4.125%
HK$62,594
baseline
▲ 0.50% · 4.625%
HK$66,402
+HK$3,808/mo
Deposit HK$8.61M · loan HK$12.92M · min. income ≈ HK$125,188/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$902,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,526
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$67,283
−HK$1,783/mo
Today · 4.125%
HK$69,066
baseline
▲ 0.50% · 4.625%
HK$72,706
+HK$3,640/mo
Deposit HK$8.61M · loan HK$12.92M · min. income ≈ HK$138,132/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$902,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,717
−HK$4,309/mo
▼ 0.25% · 3.875%
HK$70,854
−HK$2,172/mo
Today · 4.125%
HK$73,026
baseline
▲ 0.50% · 4.625%
HK$77,469
+HK$4,443/mo
Deposit HK$6.46M · loan HK$15.07M · min. income ≈ HK$146,052/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$902,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,447
−HK$4,130/mo
▼ 0.25% · 3.875%
HK$78,497
−HK$2,080/mo
Today · 4.125%
HK$80,577
baseline
▲ 0.50% · 4.625%
HK$84,824
+HK$4,247/mo
Deposit HK$6.46M · loan HK$15.07M · min. income ≈ HK$161,154/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$902,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,350
−HK$5,540/mo
▼ 0.25% · 3.875%
HK$91,098
−HK$2,792/mo
Today · 4.125%
HK$93,890
baseline
▲ 0.50% · 4.625%
HK$99,603
+HK$5,713/mo
Deposit HK$2.15M · loan HK$19.37M · min. income ≈ HK$187,780/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$902,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,288
−HK$5,311/mo
▼ 0.25% · 3.875%
HK$100,925
−HK$2,674/mo
Today · 4.125%
HK$103,599
baseline
▲ 0.50% · 4.625%
HK$109,060
+HK$5,461/mo
Deposit HK$2.15M · loan HK$19.37M · min. income ≈ HK$207,198/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$902,536 · Scale 2, in force from 26 Feb 2026)