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$49,218
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$50,749
−HK$1,555/mo
Today · 4.125%
HK$52,304
baseline
▲ 0.50% · 4.625%
HK$55,487
+HK$3,183/mo
Deposit HK$10.79M · loan HK$10.79M · min. income ≈ HK$104,608/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$908,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,754
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$56,223
−HK$1,489/mo
Today · 4.125%
HK$57,712
baseline
▲ 0.50% · 4.625%
HK$60,755
+HK$3,043/mo
Deposit HK$10.79M · loan HK$10.79M · min. income ≈ HK$115,424/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$908,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,061
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$60,898
−HK$1,867/mo
Today · 4.125%
HK$62,765
baseline
▲ 0.50% · 4.625%
HK$66,584
+HK$3,819/mo
Deposit HK$8.63M · loan HK$12.95M · min. income ≈ HK$125,530/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$908,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,705
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$67,467
−HK$1,788/mo
Today · 4.125%
HK$69,255
baseline
▲ 0.50% · 4.625%
HK$72,906
+HK$3,651/mo
Deposit HK$8.63M · loan HK$12.95M · min. income ≈ HK$138,510/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$908,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,905
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$71,048
−HK$2,178/mo
Today · 4.125%
HK$73,226
baseline
▲ 0.50% · 4.625%
HK$77,681
+HK$4,455/mo
Deposit HK$6.48M · loan HK$15.11M · min. income ≈ HK$146,452/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$908,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,656
−HK$4,141/mo
▼ 0.25% · 3.875%
HK$78,712
−HK$2,085/mo
Today · 4.125%
HK$80,797
baseline
▲ 0.50% · 4.625%
HK$85,056
+HK$4,259/mo
Deposit HK$6.48M · loan HK$15.11M · min. income ≈ HK$161,594/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$908,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,592
−HK$5,555/mo
▼ 0.25% · 3.875%
HK$91,348
−HK$2,799/mo
Today · 4.125%
HK$94,147
baseline
▲ 0.50% · 4.625%
HK$99,876
+HK$5,729/mo
Deposit HK$2.16M · loan HK$19.43M · min. income ≈ HK$188,294/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$908,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,558
−HK$5,324/mo
▼ 0.25% · 3.875%
HK$101,201
−HK$2,681/mo
Today · 4.125%
HK$103,882
baseline
▲ 0.50% · 4.625%
HK$109,358
+HK$5,476/mo
Deposit HK$2.16M · loan HK$19.43M · min. income ≈ HK$207,764/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$908,432 · Scale 2, in force from 26 Feb 2026)