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$49,223
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$50,754
−HK$1,556/mo
Today · 4.125%
HK$52,310
baseline
▲ 0.50% · 4.625%
HK$55,493
+HK$3,183/mo
Deposit HK$10.79M · loan HK$10.79M · min. income ≈ HK$104,620/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$908,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,760
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$56,229
−HK$1,490/mo
Today · 4.125%
HK$57,719
baseline
▲ 0.50% · 4.625%
HK$60,761
+HK$3,042/mo
Deposit HK$10.79M · loan HK$10.79M · min. income ≈ HK$115,438/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$908,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,068
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$60,905
−HK$1,867/mo
Today · 4.125%
HK$62,772
baseline
▲ 0.50% · 4.625%
HK$66,592
+HK$3,820/mo
Deposit HK$8.63M · loan HK$12.95M · min. income ≈ HK$125,544/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$908,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,713
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$67,475
−HK$1,788/mo
Today · 4.125%
HK$69,263
baseline
▲ 0.50% · 4.625%
HK$72,914
+HK$3,651/mo
Deposit HK$8.63M · loan HK$12.95M · min. income ≈ HK$138,526/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$908,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,913
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$71,056
−HK$2,178/mo
Today · 4.125%
HK$73,234
baseline
▲ 0.50% · 4.625%
HK$77,690
+HK$4,456/mo
Deposit HK$6.48M · loan HK$15.11M · min. income ≈ HK$146,468/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$908,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,665
−HK$4,142/mo
▼ 0.25% · 3.875%
HK$78,721
−HK$2,086/mo
Today · 4.125%
HK$80,807
baseline
▲ 0.50% · 4.625%
HK$85,066
+HK$4,259/mo
Deposit HK$6.48M · loan HK$15.11M · min. income ≈ HK$161,614/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$908,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,602
−HK$5,556/mo
▼ 0.25% · 3.875%
HK$91,358
−HK$2,800/mo
Today · 4.125%
HK$94,158
baseline
▲ 0.50% · 4.625%
HK$99,887
+HK$5,729/mo
Deposit HK$2.16M · loan HK$19.43M · min. income ≈ HK$188,316/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$908,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,569
−HK$5,325/mo
▼ 0.25% · 3.875%
HK$101,212
−HK$2,682/mo
Today · 4.125%
HK$103,894
baseline
▲ 0.50% · 4.625%
HK$109,371
+HK$5,477/mo
Deposit HK$2.16M · loan HK$19.43M · min. income ≈ HK$207,788/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$908,676 · Scale 2, in force from 26 Feb 2026)