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$49,066
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$50,592
−HK$1,551/mo
Today · 4.125%
HK$52,143
baseline
▲ 0.50% · 4.625%
HK$55,316
+HK$3,173/mo
Deposit HK$10.76M · loan HK$10.76M · min. income ≈ HK$104,286/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$901,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,585
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$56,049
−HK$1,485/mo
Today · 4.125%
HK$57,534
baseline
▲ 0.50% · 4.625%
HK$60,567
+HK$3,033/mo
Deposit HK$10.76M · loan HK$10.76M · min. income ≈ HK$115,068/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$901,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,879
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$60,711
−HK$1,860/mo
Today · 4.125%
HK$62,571
baseline
▲ 0.50% · 4.625%
HK$66,379
+HK$3,808/mo
Deposit HK$8.61M · loan HK$12.91M · min. income ≈ HK$125,142/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$901,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,502
−HK$3,539/mo
▼ 0.25% · 3.875%
HK$67,259
−HK$1,782/mo
Today · 4.125%
HK$69,041
baseline
▲ 0.50% · 4.625%
HK$72,681
+HK$3,640/mo
Deposit HK$8.61M · loan HK$12.91M · min. income ≈ HK$138,082/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$901,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,692
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$70,829
−HK$2,171/mo
Today · 4.125%
HK$73,000
baseline
▲ 0.50% · 4.625%
HK$77,442
+HK$4,442/mo
Deposit HK$6.46M · loan HK$15.06M · min. income ≈ HK$146,000/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$901,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,420
−HK$4,128/mo
▼ 0.25% · 3.875%
HK$78,469
−HK$2,079/mo
Today · 4.125%
HK$80,548
baseline
▲ 0.50% · 4.625%
HK$84,794
+HK$4,246/mo
Deposit HK$6.46M · loan HK$15.06M · min. income ≈ HK$161,096/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$901,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,319
−HK$5,538/mo
▼ 0.25% · 3.875%
HK$91,066
−HK$2,791/mo
Today · 4.125%
HK$93,857
baseline
▲ 0.50% · 4.625%
HK$99,568
+HK$5,711/mo
Deposit HK$2.15M · loan HK$19.37M · min. income ≈ HK$187,714/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$901,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,254
−HK$5,308/mo
▼ 0.25% · 3.875%
HK$100,889
−HK$2,673/mo
Today · 4.125%
HK$103,562
baseline
▲ 0.50% · 4.625%
HK$109,021
+HK$5,459/mo
Deposit HK$2.15M · loan HK$19.37M · min. income ≈ HK$207,124/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$901,773 · Scale 2, in force from 26 Feb 2026)