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$49,351
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$50,886
−HK$1,559/mo
Today · 4.125%
HK$52,445
baseline
▲ 0.50% · 4.625%
HK$55,636
+HK$3,191/mo
Deposit HK$10.82M · loan HK$10.82M · min. income ≈ HK$104,890/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$914,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,902
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$56,374
−HK$1,494/mo
Today · 4.125%
HK$57,868
baseline
▲ 0.50% · 4.625%
HK$60,919
+HK$3,051/mo
Deposit HK$10.82M · loan HK$10.82M · min. income ≈ HK$115,736/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$914,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,221
−HK$3,713/mo
▼ 0.25% · 3.875%
HK$61,063
−HK$1,871/mo
Today · 4.125%
HK$62,934
baseline
▲ 0.50% · 4.625%
HK$66,764
+HK$3,830/mo
Deposit HK$8.66M · loan HK$12.99M · min. income ≈ HK$125,868/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$914,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,882
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$67,649
−HK$1,793/mo
Today · 4.125%
HK$69,442
baseline
▲ 0.50% · 4.625%
HK$73,102
+HK$3,660/mo
Deposit HK$8.66M · loan HK$12.99M · min. income ≈ HK$138,884/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$914,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,091
−HK$4,332/mo
▼ 0.25% · 3.875%
HK$71,240
−HK$2,183/mo
Today · 4.125%
HK$73,423
baseline
▲ 0.50% · 4.625%
HK$77,891
+HK$4,468/mo
Deposit HK$6.49M · loan HK$15.15M · min. income ≈ HK$146,846/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$914,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,863
−HK$4,152/mo
▼ 0.25% · 3.875%
HK$78,924
−HK$2,091/mo
Today · 4.125%
HK$81,015
baseline
▲ 0.50% · 4.625%
HK$85,286
+HK$4,271/mo
Deposit HK$6.49M · loan HK$15.15M · min. income ≈ HK$162,030/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$914,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,831
−HK$5,571/mo
▼ 0.25% · 3.875%
HK$91,594
−HK$2,808/mo
Today · 4.125%
HK$94,402
baseline
▲ 0.50% · 4.625%
HK$100,146
+HK$5,744/mo
Deposit HK$2.16M · loan HK$19.48M · min. income ≈ HK$188,804/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$914,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,824
−HK$5,339/mo
▼ 0.25% · 3.875%
HK$101,474
−HK$2,689/mo
Today · 4.125%
HK$104,163
baseline
▲ 0.50% · 4.625%
HK$109,653
+HK$5,490/mo
Deposit HK$2.16M · loan HK$19.48M · min. income ≈ HK$208,326/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$914,256 · Scale 2, in force from 26 Feb 2026)