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$49,350
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$50,885
−HK$1,559/mo
Today · 4.125%
HK$52,444
baseline
▲ 0.50% · 4.625%
HK$55,636
+HK$3,192/mo
Deposit HK$10.82M · loan HK$10.82M · min. income ≈ HK$104,888/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$914,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,901
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$56,374
−HK$1,493/mo
Today · 4.125%
HK$57,867
baseline
▲ 0.50% · 4.625%
HK$60,918
+HK$3,051/mo
Deposit HK$10.82M · loan HK$10.82M · min. income ≈ HK$115,734/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$914,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,220
−HK$3,713/mo
▼ 0.25% · 3.875%
HK$61,062
−HK$1,871/mo
Today · 4.125%
HK$62,933
baseline
▲ 0.50% · 4.625%
HK$66,763
+HK$3,830/mo
Deposit HK$8.66M · loan HK$12.99M · min. income ≈ HK$125,866/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$914,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,881
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$67,648
−HK$1,793/mo
Today · 4.125%
HK$69,441
baseline
▲ 0.50% · 4.625%
HK$73,101
+HK$3,660/mo
Deposit HK$8.66M · loan HK$12.99M · min. income ≈ HK$138,882/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$914,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,090
−HK$4,332/mo
▼ 0.25% · 3.875%
HK$71,239
−HK$2,183/mo
Today · 4.125%
HK$73,422
baseline
▲ 0.50% · 4.625%
HK$77,890
+HK$4,468/mo
Deposit HK$6.49M · loan HK$15.15M · min. income ≈ HK$146,844/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$914,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,862
−HK$4,152/mo
▼ 0.25% · 3.875%
HK$78,923
−HK$2,091/mo
Today · 4.125%
HK$81,014
baseline
▲ 0.50% · 4.625%
HK$85,285
+HK$4,271/mo
Deposit HK$6.49M · loan HK$15.15M · min. income ≈ HK$162,028/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$914,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,830
−HK$5,570/mo
▼ 0.25% · 3.875%
HK$91,593
−HK$2,807/mo
Today · 4.125%
HK$94,400
baseline
▲ 0.50% · 4.625%
HK$100,144
+HK$5,744/mo
Deposit HK$2.16M · loan HK$19.48M · min. income ≈ HK$188,800/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$914,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,822
−HK$5,339/mo
▼ 0.25% · 3.875%
HK$101,472
−HK$2,689/mo
Today · 4.125%
HK$104,161
baseline
▲ 0.50% · 4.625%
HK$109,652
+HK$5,491/mo
Deposit HK$2.16M · loan HK$19.48M · min. income ≈ HK$208,322/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$914,223 · Scale 2, in force from 26 Feb 2026)