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$49,285
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$50,818
−HK$1,557/mo
Today · 4.125%
HK$52,375
baseline
▲ 0.50% · 4.625%
HK$55,562
+HK$3,187/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$104,750/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$911,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,829
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$56,299
−HK$1,492/mo
Today · 4.125%
HK$57,791
baseline
▲ 0.50% · 4.625%
HK$60,837
+HK$3,046/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$115,582/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$911,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,141
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$60,981
−HK$1,869/mo
Today · 4.125%
HK$62,850
baseline
▲ 0.50% · 4.625%
HK$66,674
+HK$3,824/mo
Deposit HK$8.65M · loan HK$12.97M · min. income ≈ HK$125,700/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$911,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,794
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$67,559
−HK$1,790/mo
Today · 4.125%
HK$69,349
baseline
▲ 0.50% · 4.625%
HK$73,004
+HK$3,655/mo
Deposit HK$8.65M · loan HK$12.97M · min. income ≈ HK$138,698/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$911,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,998
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$71,145
−HK$2,180/mo
Today · 4.125%
HK$73,325
baseline
▲ 0.50% · 4.625%
HK$77,787
+HK$4,462/mo
Deposit HK$6.48M · loan HK$15.13M · min. income ≈ HK$146,650/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$911,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,760
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$78,819
−HK$2,088/mo
Today · 4.125%
HK$80,907
baseline
▲ 0.50% · 4.625%
HK$85,172
+HK$4,265/mo
Deposit HK$6.48M · loan HK$15.13M · min. income ≈ HK$161,814/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$911,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,712
−HK$5,563/mo
▼ 0.25% · 3.875%
HK$91,472
−HK$2,803/mo
Today · 4.125%
HK$94,275
baseline
▲ 0.50% · 4.625%
HK$100,012
+HK$5,737/mo
Deposit HK$2.16M · loan HK$19.45M · min. income ≈ HK$188,550/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$911,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,691
−HK$5,332/mo
▼ 0.25% · 3.875%
HK$101,338
−HK$2,685/mo
Today · 4.125%
HK$104,023
baseline
▲ 0.50% · 4.625%
HK$109,507
+HK$5,484/mo
Deposit HK$2.16M · loan HK$19.45M · min. income ≈ HK$208,046/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$911,360 · Scale 2, in force from 26 Feb 2026)