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$49,075
−HK$3,078/mo
▼ 0.25% · 3.875%
HK$50,602
−HK$1,551/mo
Today · 4.125%
HK$52,153
baseline
▲ 0.50% · 4.625%
HK$55,326
+HK$3,173/mo
Deposit HK$10.76M · loan HK$10.76M · min. income ≈ HK$104,306/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$902,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,596
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$56,060
−HK$1,486/mo
Today · 4.125%
HK$57,546
baseline
▲ 0.50% · 4.625%
HK$60,579
+HK$3,033/mo
Deposit HK$10.76M · loan HK$10.76M · min. income ≈ HK$115,092/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$902,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,890
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$60,722
−HK$1,861/mo
Today · 4.125%
HK$62,583
baseline
▲ 0.50% · 4.625%
HK$66,391
+HK$3,808/mo
Deposit HK$8.61M · loan HK$12.91M · min. income ≈ HK$125,166/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$902,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,515
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$67,272
−HK$1,783/mo
Today · 4.125%
HK$69,055
baseline
▲ 0.50% · 4.625%
HK$72,695
+HK$3,640/mo
Deposit HK$8.61M · loan HK$12.91M · min. income ≈ HK$138,110/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$902,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,706
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$70,843
−HK$2,171/mo
Today · 4.125%
HK$73,014
baseline
▲ 0.50% · 4.625%
HK$77,457
+HK$4,443/mo
Deposit HK$6.46M · loan HK$15.07M · min. income ≈ HK$146,028/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$902,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,434
−HK$4,130/mo
▼ 0.25% · 3.875%
HK$78,484
−HK$2,080/mo
Today · 4.125%
HK$80,564
baseline
▲ 0.50% · 4.625%
HK$84,810
+HK$4,246/mo
Deposit HK$6.46M · loan HK$15.07M · min. income ≈ HK$161,128/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$902,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,336
−HK$5,539/mo
▼ 0.25% · 3.875%
HK$91,083
−HK$2,792/mo
Today · 4.125%
HK$93,875
baseline
▲ 0.50% · 4.625%
HK$99,587
+HK$5,712/mo
Deposit HK$2.15M · loan HK$19.37M · min. income ≈ HK$187,750/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$902,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,273
−HK$5,309/mo
▼ 0.25% · 3.875%
HK$100,908
−HK$2,674/mo
Today · 4.125%
HK$103,582
baseline
▲ 0.50% · 4.625%
HK$109,042
+HK$5,460/mo
Deposit HK$2.15M · loan HK$19.37M · min. income ≈ HK$207,164/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$902,188 · Scale 2, in force from 26 Feb 2026)