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$49,349
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$50,884
−HK$1,560/mo
Today · 4.125%
HK$52,444
baseline
▲ 0.50% · 4.625%
HK$55,635
+HK$3,191/mo
Deposit HK$10.82M · loan HK$10.82M · min. income ≈ HK$104,888/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$914,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,900
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$56,373
−HK$1,493/mo
Today · 4.125%
HK$57,866
baseline
▲ 0.50% · 4.625%
HK$60,917
+HK$3,051/mo
Deposit HK$10.82M · loan HK$10.82M · min. income ≈ HK$115,732/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$914,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,219
−HK$3,713/mo
▼ 0.25% · 3.875%
HK$61,061
−HK$1,871/mo
Today · 4.125%
HK$62,932
baseline
▲ 0.50% · 4.625%
HK$66,762
+HK$3,830/mo
Deposit HK$8.66M · loan HK$12.99M · min. income ≈ HK$125,864/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$914,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,880
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$67,647
−HK$1,793/mo
Today · 4.125%
HK$69,440
baseline
▲ 0.50% · 4.625%
HK$73,100
+HK$3,660/mo
Deposit HK$8.66M · loan HK$12.99M · min. income ≈ HK$138,880/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$914,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,089
−HK$4,332/mo
▼ 0.25% · 3.875%
HK$71,238
−HK$2,183/mo
Today · 4.125%
HK$73,421
baseline
▲ 0.50% · 4.625%
HK$77,889
+HK$4,468/mo
Deposit HK$6.49M · loan HK$15.15M · min. income ≈ HK$146,842/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$914,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,860
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$78,922
−HK$2,091/mo
Today · 4.125%
HK$81,013
baseline
▲ 0.50% · 4.625%
HK$85,283
+HK$4,270/mo
Deposit HK$6.49M · loan HK$15.15M · min. income ≈ HK$162,026/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$914,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,828
−HK$5,571/mo
▼ 0.25% · 3.875%
HK$91,591
−HK$2,808/mo
Today · 4.125%
HK$94,399
baseline
▲ 0.50% · 4.625%
HK$100,143
+HK$5,744/mo
Deposit HK$2.16M · loan HK$19.48M · min. income ≈ HK$188,798/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$914,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,821
−HK$5,339/mo
▼ 0.25% · 3.875%
HK$101,471
−HK$2,689/mo
Today · 4.125%
HK$104,160
baseline
▲ 0.50% · 4.625%
HK$109,650
+HK$5,490/mo
Deposit HK$2.16M · loan HK$19.48M · min. income ≈ HK$208,320/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$914,190 · Scale 2, in force from 26 Feb 2026)