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$49,187
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$50,717
−HK$1,554/mo
Today · 4.125%
HK$52,271
baseline
▲ 0.50% · 4.625%
HK$55,452
+HK$3,181/mo
Deposit HK$10.79M · loan HK$10.79M · min. income ≈ HK$104,542/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$907,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,720
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$56,187
−HK$1,489/mo
Today · 4.125%
HK$57,676
baseline
▲ 0.50% · 4.625%
HK$60,716
+HK$3,040/mo
Deposit HK$10.79M · loan HK$10.79M · min. income ≈ HK$115,352/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$907,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,024
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$60,860
−HK$1,865/mo
Today · 4.125%
HK$62,725
baseline
▲ 0.50% · 4.625%
HK$66,542
+HK$3,817/mo
Deposit HK$8.63M · loan HK$12.94M · min. income ≈ HK$125,450/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$907,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,664
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$67,425
−HK$1,786/mo
Today · 4.125%
HK$69,211
baseline
▲ 0.50% · 4.625%
HK$72,860
+HK$3,649/mo
Deposit HK$8.63M · loan HK$12.94M · min. income ≈ HK$138,422/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$907,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,862
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$71,003
−HK$2,177/mo
Today · 4.125%
HK$73,180
baseline
▲ 0.50% · 4.625%
HK$77,633
+HK$4,453/mo
Deposit HK$6.47M · loan HK$15.10M · min. income ≈ HK$146,360/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$907,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,608
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$78,662
−HK$2,085/mo
Today · 4.125%
HK$80,747
baseline
▲ 0.50% · 4.625%
HK$85,003
+HK$4,256/mo
Deposit HK$6.47M · loan HK$15.10M · min. income ≈ HK$161,494/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$907,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,536
−HK$5,552/mo
▼ 0.25% · 3.875%
HK$91,290
−HK$2,798/mo
Today · 4.125%
HK$94,088
baseline
▲ 0.50% · 4.625%
HK$99,813
+HK$5,725/mo
Deposit HK$2.16M · loan HK$19.41M · min. income ≈ HK$188,176/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$907,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,496
−HK$5,321/mo
▼ 0.25% · 3.875%
HK$101,137
−HK$2,680/mo
Today · 4.125%
HK$103,817
baseline
▲ 0.50% · 4.625%
HK$109,289
+HK$5,472/mo
Deposit HK$2.16M · loan HK$19.41M · min. income ≈ HK$207,634/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$907,073 · Scale 2, in force from 26 Feb 2026)