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$49,286
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$50,819
−HK$1,558/mo
Today · 4.125%
HK$52,377
baseline
▲ 0.50% · 4.625%
HK$55,564
+HK$3,187/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$104,754/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$911,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,830
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$56,301
−HK$1,491/mo
Today · 4.125%
HK$57,792
baseline
▲ 0.50% · 4.625%
HK$60,839
+HK$3,047/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$115,584/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$911,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,143
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$60,983
−HK$1,869/mo
Today · 4.125%
HK$62,852
baseline
▲ 0.50% · 4.625%
HK$66,676
+HK$3,824/mo
Deposit HK$8.65M · loan HK$12.97M · min. income ≈ HK$125,704/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$911,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,796
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$67,561
−HK$1,790/mo
Today · 4.125%
HK$69,351
baseline
▲ 0.50% · 4.625%
HK$73,006
+HK$3,655/mo
Deposit HK$8.65M · loan HK$12.97M · min. income ≈ HK$138,702/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$911,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,000
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$71,147
−HK$2,180/mo
Today · 4.125%
HK$73,327
baseline
▲ 0.50% · 4.625%
HK$77,789
+HK$4,462/mo
Deposit HK$6.48M · loan HK$15.13M · min. income ≈ HK$146,654/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$911,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,762
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$78,821
−HK$2,088/mo
Today · 4.125%
HK$80,909
baseline
▲ 0.50% · 4.625%
HK$85,174
+HK$4,265/mo
Deposit HK$6.48M · loan HK$15.13M · min. income ≈ HK$161,818/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$911,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,715
−HK$5,563/mo
▼ 0.25% · 3.875%
HK$91,474
−HK$2,804/mo
Today · 4.125%
HK$94,278
baseline
▲ 0.50% · 4.625%
HK$100,014
+HK$5,736/mo
Deposit HK$2.16M · loan HK$19.45M · min. income ≈ HK$188,556/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$911,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,694
−HK$5,332/mo
▼ 0.25% · 3.875%
HK$101,341
−HK$2,685/mo
Today · 4.125%
HK$104,026
baseline
▲ 0.50% · 4.625%
HK$109,510
+HK$5,484/mo
Deposit HK$2.16M · loan HK$19.45M · min. income ≈ HK$208,052/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$911,420 · Scale 2, in force from 26 Feb 2026)