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$49,139
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$50,667
−HK$1,553/mo
Today · 4.125%
HK$52,220
baseline
▲ 0.50% · 4.625%
HK$55,398
+HK$3,178/mo
Deposit HK$10.77M · loan HK$10.77M · min. income ≈ HK$104,440/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$904,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,667
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$56,133
−HK$1,487/mo
Today · 4.125%
HK$57,620
baseline
▲ 0.50% · 4.625%
HK$60,657
+HK$3,037/mo
Deposit HK$10.77M · loan HK$10.77M · min. income ≈ HK$115,240/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$904,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,967
−HK$3,697/mo
▼ 0.25% · 3.875%
HK$60,801
−HK$1,863/mo
Today · 4.125%
HK$62,664
baseline
▲ 0.50% · 4.625%
HK$66,477
+HK$3,813/mo
Deposit HK$8.62M · loan HK$12.93M · min. income ≈ HK$125,328/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$904,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,600
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$67,359
−HK$1,785/mo
Today · 4.125%
HK$69,144
baseline
▲ 0.50% · 4.625%
HK$72,789
+HK$3,645/mo
Deposit HK$8.62M · loan HK$12.93M · min. income ≈ HK$138,288/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$904,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,794
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$70,934
−HK$2,174/mo
Today · 4.125%
HK$73,108
baseline
▲ 0.50% · 4.625%
HK$77,557
+HK$4,449/mo
Deposit HK$6.46M · loan HK$15.08M · min. income ≈ HK$146,216/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$904,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,533
−HK$4,135/mo
▼ 0.25% · 3.875%
HK$78,586
−HK$2,082/mo
Today · 4.125%
HK$80,668
baseline
▲ 0.50% · 4.625%
HK$84,920
+HK$4,252/mo
Deposit HK$6.46M · loan HK$15.08M · min. income ≈ HK$161,336/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$904,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,450
−HK$5,547/mo
▼ 0.25% · 3.875%
HK$91,201
−HK$2,796/mo
Today · 4.125%
HK$93,997
baseline
▲ 0.50% · 4.625%
HK$99,716
+HK$5,719/mo
Deposit HK$2.15M · loan HK$19.39M · min. income ≈ HK$187,994/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$904,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,400
−HK$5,316/mo
▼ 0.25% · 3.875%
HK$101,039
−HK$2,677/mo
Today · 4.125%
HK$103,716
baseline
▲ 0.50% · 4.625%
HK$109,183
+HK$5,467/mo
Deposit HK$2.15M · loan HK$19.39M · min. income ≈ HK$207,432/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$904,973 · Scale 2, in force from 26 Feb 2026)