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$3,079/mo
▼ 0.25% · 3.875%
HK$50,615
−HK$1,552/mo
Today · 4.125%
HK$52,167
baseline
▲ 0.50% · 4.625%
HK$55,341
+HK$3,174/mo
Deposit HK$10.76M · loan HK$10.76M · min. income ≈ HK$104,334/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$902,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,610
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$56,075
−HK$1,486/mo
Today · 4.125%
HK$57,561
baseline
▲ 0.50% · 4.625%
HK$60,595
+HK$3,034/mo
Deposit HK$10.76M · loan HK$10.76M · min. income ≈ HK$115,122/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$902,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,906
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$60,738
−HK$1,862/mo
Today · 4.125%
HK$62,600
baseline
▲ 0.50% · 4.625%
HK$66,409
+HK$3,809/mo
Deposit HK$8.61M · loan HK$12.92M · min. income ≈ HK$125,200/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$902,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,533
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$67,290
−HK$1,783/mo
Today · 4.125%
HK$69,073
baseline
▲ 0.50% · 4.625%
HK$72,714
+HK$3,641/mo
Deposit HK$8.61M · loan HK$12.92M · min. income ≈ HK$138,146/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$902,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,724
−HK$4,309/mo
▼ 0.25% · 3.875%
HK$70,862
−HK$2,171/mo
Today · 4.125%
HK$73,033
baseline
▲ 0.50% · 4.625%
HK$77,477
+HK$4,444/mo
Deposit HK$6.46M · loan HK$15.07M · min. income ≈ HK$146,066/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$902,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,455
−HK$4,130/mo
▼ 0.25% · 3.875%
HK$78,505
−HK$2,080/mo
Today · 4.125%
HK$80,585
baseline
▲ 0.50% · 4.625%
HK$84,833
+HK$4,248/mo
Deposit HK$6.46M · loan HK$15.07M · min. income ≈ HK$161,170/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$902,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,359
−HK$5,541/mo
▼ 0.25% · 3.875%
HK$91,108
−HK$2,792/mo
Today · 4.125%
HK$93,900
baseline
▲ 0.50% · 4.625%
HK$99,614
+HK$5,714/mo
Deposit HK$2.15M · loan HK$19.37M · min. income ≈ HK$187,800/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$902,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,299
−HK$5,311/mo
▼ 0.25% · 3.875%
HK$100,935
−HK$2,675/mo
Today · 4.125%
HK$103,610
baseline
▲ 0.50% · 4.625%
HK$109,071
+HK$5,461/mo
Deposit HK$2.15M · loan HK$19.37M · min. income ≈ HK$207,220/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$902,761 · Scale 2, in force from 26 Feb 2026)