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$49,227
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$50,759
−HK$1,555/mo
Today · 4.125%
HK$52,314
baseline
▲ 0.50% · 4.625%
HK$55,497
+HK$3,183/mo
Deposit HK$10.79M · loan HK$10.79M · min. income ≈ HK$104,628/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$908,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,765
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$56,234
−HK$1,490/mo
Today · 4.125%
HK$57,724
baseline
▲ 0.50% · 4.625%
HK$60,766
+HK$3,042/mo
Deposit HK$10.79M · loan HK$10.79M · min. income ≈ HK$115,448/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$908,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,073
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$60,910
−HK$1,867/mo
Today · 4.125%
HK$62,777
baseline
▲ 0.50% · 4.625%
HK$66,597
+HK$3,820/mo
Deposit HK$8.64M · loan HK$12.95M · min. income ≈ HK$125,554/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$908,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,718
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$67,480
−HK$1,788/mo
Today · 4.125%
HK$69,268
baseline
▲ 0.50% · 4.625%
HK$72,920
+HK$3,652/mo
Deposit HK$8.64M · loan HK$12.95M · min. income ≈ HK$138,536/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$908,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,918
−HK$4,322/mo
▼ 0.25% · 3.875%
HK$71,062
−HK$2,178/mo
Today · 4.125%
HK$73,240
baseline
▲ 0.50% · 4.625%
HK$77,696
+HK$4,456/mo
Deposit HK$6.48M · loan HK$15.11M · min. income ≈ HK$146,480/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$908,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,671
−HK$4,142/mo
▼ 0.25% · 3.875%
HK$78,727
−HK$2,086/mo
Today · 4.125%
HK$80,813
baseline
▲ 0.50% · 4.625%
HK$85,073
+HK$4,260/mo
Deposit HK$6.48M · loan HK$15.11M · min. income ≈ HK$161,626/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$908,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,609
−HK$5,557/mo
▼ 0.25% · 3.875%
HK$91,365
−HK$2,801/mo
Today · 4.125%
HK$94,166
baseline
▲ 0.50% · 4.625%
HK$99,895
+HK$5,729/mo
Deposit HK$2.16M · loan HK$19.43M · min. income ≈ HK$188,332/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$908,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,577
−HK$5,325/mo
▼ 0.25% · 3.875%
HK$101,220
−HK$2,682/mo
Today · 4.125%
HK$103,902
baseline
▲ 0.50% · 4.625%
HK$109,379
+HK$5,477/mo
Deposit HK$2.16M · loan HK$19.43M · min. income ≈ HK$207,804/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$908,848 · Scale 2, in force from 26 Feb 2026)