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$49,070
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$50,596
−HK$1,551/mo
Today · 4.125%
HK$52,147
baseline
▲ 0.50% · 4.625%
HK$55,320
+HK$3,173/mo
Deposit HK$10.76M · loan HK$10.76M · min. income ≈ HK$104,294/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$901,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,590
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$56,054
−HK$1,485/mo
Today · 4.125%
HK$57,539
baseline
▲ 0.50% · 4.625%
HK$60,572
+HK$3,033/mo
Deposit HK$10.76M · loan HK$10.76M · min. income ≈ HK$115,078/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$901,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,884
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$60,716
−HK$1,860/mo
Today · 4.125%
HK$62,576
baseline
▲ 0.50% · 4.625%
HK$66,384
+HK$3,808/mo
Deposit HK$8.61M · loan HK$12.91M · min. income ≈ HK$125,152/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$901,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,508
−HK$3,539/mo
▼ 0.25% · 3.875%
HK$67,265
−HK$1,782/mo
Today · 4.125%
HK$69,047
baseline
▲ 0.50% · 4.625%
HK$72,686
+HK$3,639/mo
Deposit HK$8.61M · loan HK$12.91M · min. income ≈ HK$138,094/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$901,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,698
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$70,835
−HK$2,171/mo
Today · 4.125%
HK$73,006
baseline
▲ 0.50% · 4.625%
HK$77,448
+HK$4,442/mo
Deposit HK$6.46M · loan HK$15.06M · min. income ≈ HK$146,012/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$901,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,426
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$78,475
−HK$2,080/mo
Today · 4.125%
HK$80,555
baseline
▲ 0.50% · 4.625%
HK$84,801
+HK$4,246/mo
Deposit HK$6.46M · loan HK$15.06M · min. income ≈ HK$161,110/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$901,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,326
−HK$5,539/mo
▼ 0.25% · 3.875%
HK$91,073
−HK$2,792/mo
Today · 4.125%
HK$93,865
baseline
▲ 0.50% · 4.625%
HK$99,576
+HK$5,711/mo
Deposit HK$2.15M · loan HK$19.37M · min. income ≈ HK$187,730/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$901,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,262
−HK$5,308/mo
▼ 0.25% · 3.875%
HK$100,897
−HK$2,673/mo
Today · 4.125%
HK$103,570
baseline
▲ 0.50% · 4.625%
HK$109,030
+HK$5,460/mo
Deposit HK$2.15M · loan HK$19.37M · min. income ≈ HK$207,140/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$901,947 · Scale 2, in force from 26 Feb 2026)