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$49,319
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$50,854
−HK$1,558/mo
Today · 4.125%
HK$52,412
baseline
▲ 0.50% · 4.625%
HK$55,601
+HK$3,189/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$104,824/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$912,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,867
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$56,339
−HK$1,493/mo
Today · 4.125%
HK$57,832
baseline
▲ 0.50% · 4.625%
HK$60,880
+HK$3,048/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$115,664/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$912,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,183
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$61,024
−HK$1,871/mo
Today · 4.125%
HK$62,895
baseline
▲ 0.50% · 4.625%
HK$66,722
+HK$3,827/mo
Deposit HK$8.65M · loan HK$12.98M · min. income ≈ HK$125,790/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$912,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,841
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$67,607
−HK$1,791/mo
Today · 4.125%
HK$69,398
baseline
▲ 0.50% · 4.625%
HK$73,056
+HK$3,658/mo
Deposit HK$8.65M · loan HK$12.98M · min. income ≈ HK$138,796/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$912,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,047
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$71,195
−HK$2,182/mo
Today · 4.125%
HK$73,377
baseline
▲ 0.50% · 4.625%
HK$77,842
+HK$4,465/mo
Deposit HK$6.49M · loan HK$15.14M · min. income ≈ HK$146,754/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$912,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,814
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$78,874
−HK$2,090/mo
Today · 4.125%
HK$80,964
baseline
▲ 0.50% · 4.625%
HK$85,232
+HK$4,268/mo
Deposit HK$6.49M · loan HK$15.14M · min. income ≈ HK$161,928/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$912,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,775
−HK$5,567/mo
▼ 0.25% · 3.875%
HK$91,536
−HK$2,806/mo
Today · 4.125%
HK$94,342
baseline
▲ 0.50% · 4.625%
HK$100,082
+HK$5,740/mo
Deposit HK$2.16M · loan HK$19.47M · min. income ≈ HK$188,684/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$912,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,761
−HK$5,336/mo
▼ 0.25% · 3.875%
HK$101,410
−HK$2,687/mo
Today · 4.125%
HK$104,097
baseline
▲ 0.50% · 4.625%
HK$109,584
+HK$5,487/mo
Deposit HK$2.16M · loan HK$19.47M · min. income ≈ HK$208,194/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$912,891 · Scale 2, in force from 26 Feb 2026)