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$49,339
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$50,874
−HK$1,559/mo
Today · 4.125%
HK$52,433
baseline
▲ 0.50% · 4.625%
HK$55,623
+HK$3,190/mo
Deposit HK$10.82M · loan HK$10.82M · min. income ≈ HK$104,866/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$913,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,889
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$56,361
−HK$1,493/mo
Today · 4.125%
HK$57,854
baseline
▲ 0.50% · 4.625%
HK$60,904
+HK$3,050/mo
Deposit HK$10.82M · loan HK$10.82M · min. income ≈ HK$115,708/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$913,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,207
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$61,048
−HK$1,871/mo
Today · 4.125%
HK$62,919
baseline
▲ 0.50% · 4.625%
HK$66,748
+HK$3,829/mo
Deposit HK$8.65M · loan HK$12.98M · min. income ≈ HK$125,838/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$913,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,867
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$67,633
−HK$1,792/mo
Today · 4.125%
HK$69,425
baseline
▲ 0.50% · 4.625%
HK$73,085
+HK$3,660/mo
Deposit HK$8.65M · loan HK$12.98M · min. income ≈ HK$138,850/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$913,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,074
−HK$4,332/mo
▼ 0.25% · 3.875%
HK$71,223
−HK$2,183/mo
Today · 4.125%
HK$73,406
baseline
▲ 0.50% · 4.625%
HK$77,873
+HK$4,467/mo
Deposit HK$6.49M · loan HK$15.15M · min. income ≈ HK$146,812/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$913,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,845
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$78,906
−HK$2,090/mo
Today · 4.125%
HK$80,996
baseline
▲ 0.50% · 4.625%
HK$85,266
+HK$4,270/mo
Deposit HK$6.49M · loan HK$15.15M · min. income ≈ HK$161,992/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$913,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,810
−HK$5,569/mo
▼ 0.25% · 3.875%
HK$91,572
−HK$2,807/mo
Today · 4.125%
HK$94,379
baseline
▲ 0.50% · 4.625%
HK$100,122
+HK$5,743/mo
Deposit HK$2.16M · loan HK$19.47M · min. income ≈ HK$188,758/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$913,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,800
−HK$5,338/mo
▼ 0.25% · 3.875%
HK$101,450
−HK$2,688/mo
Today · 4.125%
HK$104,138
baseline
▲ 0.50% · 4.625%
HK$109,627
+HK$5,489/mo
Deposit HK$2.16M · loan HK$19.47M · min. income ≈ HK$208,276/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$913,742 · Scale 2, in force from 26 Feb 2026)