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$49,229
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$50,760
−HK$1,556/mo
Today · 4.125%
HK$52,316
baseline
▲ 0.50% · 4.625%
HK$55,499
+HK$3,183/mo
Deposit HK$10.79M · loan HK$10.79M · min. income ≈ HK$104,632/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$908,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,767
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$56,235
−HK$1,491/mo
Today · 4.125%
HK$57,726
baseline
▲ 0.50% · 4.625%
HK$60,768
+HK$3,042/mo
Deposit HK$10.79M · loan HK$10.79M · min. income ≈ HK$115,452/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$908,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,075
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$60,912
−HK$1,867/mo
Today · 4.125%
HK$62,779
baseline
▲ 0.50% · 4.625%
HK$66,599
+HK$3,820/mo
Deposit HK$8.64M · loan HK$12.95M · min. income ≈ HK$125,558/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$908,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,720
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$67,483
−HK$1,788/mo
Today · 4.125%
HK$69,271
baseline
▲ 0.50% · 4.625%
HK$72,922
+HK$3,651/mo
Deposit HK$8.64M · loan HK$12.95M · min. income ≈ HK$138,542/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$908,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,920
−HK$4,322/mo
▼ 0.25% · 3.875%
HK$71,064
−HK$2,178/mo
Today · 4.125%
HK$73,242
baseline
▲ 0.50% · 4.625%
HK$77,699
+HK$4,457/mo
Deposit HK$6.48M · loan HK$15.11M · min. income ≈ HK$146,484/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$908,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,673
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$78,730
−HK$2,086/mo
Today · 4.125%
HK$80,816
baseline
▲ 0.50% · 4.625%
HK$85,076
+HK$4,260/mo
Deposit HK$6.48M · loan HK$15.11M · min. income ≈ HK$161,632/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$908,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,612
−HK$5,557/mo
▼ 0.25% · 3.875%
HK$91,368
−HK$2,801/mo
Today · 4.125%
HK$94,169
baseline
▲ 0.50% · 4.625%
HK$99,899
+HK$5,730/mo
Deposit HK$2.16M · loan HK$19.43M · min. income ≈ HK$188,338/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$908,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,580
−HK$5,326/mo
▼ 0.25% · 3.875%
HK$101,224
−HK$2,682/mo
Today · 4.125%
HK$103,906
baseline
▲ 0.50% · 4.625%
HK$109,383
+HK$5,477/mo
Deposit HK$2.16M · loan HK$19.43M · min. income ≈ HK$207,812/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$908,919 · Scale 2, in force from 26 Feb 2026)