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$49,085
−HK$3,078/mo
▼ 0.25% · 3.875%
HK$50,611
−HK$1,552/mo
Today · 4.125%
HK$52,163
baseline
▲ 0.50% · 4.625%
HK$55,337
+HK$3,174/mo
Deposit HK$10.76M · loan HK$10.76M · min. income ≈ HK$104,326/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$902,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,606
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$56,071
−HK$1,485/mo
Today · 4.125%
HK$57,556
baseline
▲ 0.50% · 4.625%
HK$60,590
+HK$3,034/mo
Deposit HK$10.76M · loan HK$10.76M · min. income ≈ HK$115,112/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$902,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,901
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$60,734
−HK$1,861/mo
Today · 4.125%
HK$62,595
baseline
▲ 0.50% · 4.625%
HK$66,404
+HK$3,809/mo
Deposit HK$8.61M · loan HK$12.92M · min. income ≈ HK$125,190/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$902,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,527
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$67,285
−HK$1,783/mo
Today · 4.125%
HK$69,068
baseline
▲ 0.50% · 4.625%
HK$72,708
+HK$3,640/mo
Deposit HK$8.61M · loan HK$12.92M · min. income ≈ HK$138,136/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$902,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,718
−HK$4,310/mo
▼ 0.25% · 3.875%
HK$70,856
−HK$2,172/mo
Today · 4.125%
HK$73,028
baseline
▲ 0.50% · 4.625%
HK$77,471
+HK$4,443/mo
Deposit HK$6.46M · loan HK$15.07M · min. income ≈ HK$146,056/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$902,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,449
−HK$4,130/mo
▼ 0.25% · 3.875%
HK$78,499
−HK$2,080/mo
Today · 4.125%
HK$80,579
baseline
▲ 0.50% · 4.625%
HK$84,826
+HK$4,247/mo
Deposit HK$6.46M · loan HK$15.07M · min. income ≈ HK$161,158/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$902,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,352
−HK$5,541/mo
▼ 0.25% · 3.875%
HK$91,100
−HK$2,793/mo
Today · 4.125%
HK$93,893
baseline
▲ 0.50% · 4.625%
HK$99,606
+HK$5,713/mo
Deposit HK$2.15M · loan HK$19.37M · min. income ≈ HK$187,786/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$902,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,291
−HK$5,310/mo
▼ 0.25% · 3.875%
HK$100,927
−HK$2,674/mo
Today · 4.125%
HK$103,601
baseline
▲ 0.50% · 4.625%
HK$109,062
+HK$5,461/mo
Deposit HK$2.15M · loan HK$19.37M · min. income ≈ HK$207,202/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$902,590 · Scale 2, in force from 26 Feb 2026)