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$49,088
−HK$3,078/mo
▼ 0.25% · 3.875%
HK$50,614
−HK$1,552/mo
Today · 4.125%
HK$52,166
baseline
▲ 0.50% · 4.625%
HK$55,340
+HK$3,174/mo
Deposit HK$10.76M · loan HK$10.76M · min. income ≈ HK$104,332/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$902,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,609
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$56,074
−HK$1,486/mo
Today · 4.125%
HK$57,560
baseline
▲ 0.50% · 4.625%
HK$60,594
+HK$3,034/mo
Deposit HK$10.76M · loan HK$10.76M · min. income ≈ HK$115,120/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$902,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,905
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$60,737
−HK$1,862/mo
Today · 4.125%
HK$62,599
baseline
▲ 0.50% · 4.625%
HK$66,408
+HK$3,809/mo
Deposit HK$8.61M · loan HK$12.92M · min. income ≈ HK$125,198/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$902,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,531
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$67,289
−HK$1,783/mo
Today · 4.125%
HK$69,072
baseline
▲ 0.50% · 4.625%
HK$72,713
+HK$3,641/mo
Deposit HK$8.61M · loan HK$12.92M · min. income ≈ HK$138,144/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$902,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,723
−HK$4,309/mo
▼ 0.25% · 3.875%
HK$70,860
−HK$2,172/mo
Today · 4.125%
HK$73,032
baseline
▲ 0.50% · 4.625%
HK$77,476
+HK$4,444/mo
Deposit HK$6.46M · loan HK$15.07M · min. income ≈ HK$146,064/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$902,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,453
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$78,504
−HK$2,080/mo
Today · 4.125%
HK$80,584
baseline
▲ 0.50% · 4.625%
HK$84,831
+HK$4,247/mo
Deposit HK$6.46M · loan HK$15.07M · min. income ≈ HK$161,168/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$902,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,358
−HK$5,540/mo
▼ 0.25% · 3.875%
HK$91,106
−HK$2,792/mo
Today · 4.125%
HK$93,898
baseline
▲ 0.50% · 4.625%
HK$99,612
+HK$5,714/mo
Deposit HK$2.15M · loan HK$19.37M · min. income ≈ HK$187,796/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$902,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,297
−HK$5,311/mo
▼ 0.25% · 3.875%
HK$100,933
−HK$2,675/mo
Today · 4.125%
HK$103,608
baseline
▲ 0.50% · 4.625%
HK$109,069
+HK$5,461/mo
Deposit HK$2.15M · loan HK$19.37M · min. income ≈ HK$207,216/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$902,719 · Scale 2, in force from 26 Feb 2026)