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$49,073
−HK$3,078/mo
▼ 0.25% · 3.875%
HK$50,600
−HK$1,551/mo
Today · 4.125%
HK$52,151
baseline
▲ 0.50% · 4.625%
HK$55,324
+HK$3,173/mo
Deposit HK$10.76M · loan HK$10.76M · min. income ≈ HK$104,302/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$902,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,594
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$56,058
−HK$1,485/mo
Today · 4.125%
HK$57,543
baseline
▲ 0.50% · 4.625%
HK$60,576
+HK$3,033/mo
Deposit HK$10.76M · loan HK$10.76M · min. income ≈ HK$115,086/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$902,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,888
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$60,720
−HK$1,861/mo
Today · 4.125%
HK$62,581
baseline
▲ 0.50% · 4.625%
HK$66,389
+HK$3,808/mo
Deposit HK$8.61M · loan HK$12.91M · min. income ≈ HK$125,162/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$902,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,512
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$67,269
−HK$1,783/mo
Today · 4.125%
HK$69,052
baseline
▲ 0.50% · 4.625%
HK$72,692
+HK$3,640/mo
Deposit HK$8.61M · loan HK$12.91M · min. income ≈ HK$138,104/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$902,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,703
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$70,840
−HK$2,171/mo
Today · 4.125%
HK$73,011
baseline
▲ 0.50% · 4.625%
HK$77,454
+HK$4,443/mo
Deposit HK$6.46M · loan HK$15.06M · min. income ≈ HK$146,022/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$902,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,431
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$78,481
−HK$2,079/mo
Today · 4.125%
HK$80,560
baseline
▲ 0.50% · 4.625%
HK$84,807
+HK$4,247/mo
Deposit HK$6.46M · loan HK$15.06M · min. income ≈ HK$161,120/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$902,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,332
−HK$5,539/mo
▼ 0.25% · 3.875%
HK$91,080
−HK$2,791/mo
Today · 4.125%
HK$93,871
baseline
▲ 0.50% · 4.625%
HK$99,583
+HK$5,712/mo
Deposit HK$2.15M · loan HK$19.37M · min. income ≈ HK$187,742/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$902,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,269
−HK$5,309/mo
▼ 0.25% · 3.875%
HK$100,904
−HK$2,674/mo
Today · 4.125%
HK$103,578
baseline
▲ 0.50% · 4.625%
HK$109,037
+HK$5,459/mo
Deposit HK$2.15M · loan HK$19.37M · min. income ≈ HK$207,156/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$902,101 · Scale 2, in force from 26 Feb 2026)