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$49,208
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$50,738
−HK$1,555/mo
Today · 4.125%
HK$52,293
baseline
▲ 0.50% · 4.625%
HK$55,475
+HK$3,182/mo
Deposit HK$10.79M · loan HK$10.79M · min. income ≈ HK$104,586/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$907,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,743
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$56,211
−HK$1,490/mo
Today · 4.125%
HK$57,701
baseline
▲ 0.50% · 4.625%
HK$60,742
+HK$3,041/mo
Deposit HK$10.79M · loan HK$10.79M · min. income ≈ HK$115,402/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$907,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,049
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$60,886
−HK$1,866/mo
Today · 4.125%
HK$62,752
baseline
▲ 0.50% · 4.625%
HK$66,570
+HK$3,818/mo
Deposit HK$8.63M · loan HK$12.95M · min. income ≈ HK$125,504/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$907,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,692
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$67,453
−HK$1,788/mo
Today · 4.125%
HK$69,241
baseline
▲ 0.50% · 4.625%
HK$72,890
+HK$3,649/mo
Deposit HK$8.63M · loan HK$12.95M · min. income ≈ HK$138,482/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$907,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,891
−HK$4,320/mo
▼ 0.25% · 3.875%
HK$71,033
−HK$2,178/mo
Today · 4.125%
HK$73,211
baseline
▲ 0.50% · 4.625%
HK$77,665
+HK$4,454/mo
Deposit HK$6.47M · loan HK$15.11M · min. income ≈ HK$146,422/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$907,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,640
−HK$4,141/mo
▼ 0.25% · 3.875%
HK$78,696
−HK$2,085/mo
Today · 4.125%
HK$80,781
baseline
▲ 0.50% · 4.625%
HK$85,039
+HK$4,258/mo
Deposit HK$6.47M · loan HK$15.11M · min. income ≈ HK$161,562/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$907,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,574
−HK$5,554/mo
▼ 0.25% · 3.875%
HK$91,329
−HK$2,799/mo
Today · 4.125%
HK$94,128
baseline
▲ 0.50% · 4.625%
HK$99,855
+HK$5,727/mo
Deposit HK$2.16M · loan HK$19.42M · min. income ≈ HK$188,256/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$907,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,537
−HK$5,324/mo
▼ 0.25% · 3.875%
HK$101,180
−HK$2,681/mo
Today · 4.125%
HK$103,861
baseline
▲ 0.50% · 4.625%
HK$109,336
+HK$5,475/mo
Deposit HK$2.16M · loan HK$19.42M · min. income ≈ HK$207,722/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$907,984 · Scale 2, in force from 26 Feb 2026)