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$49,204
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$50,734
−HK$1,555/mo
Today · 4.125%
HK$52,289
baseline
▲ 0.50% · 4.625%
HK$55,471
+HK$3,182/mo
Deposit HK$10.79M · loan HK$10.79M · min. income ≈ HK$104,578/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$907,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,739
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$56,207
−HK$1,489/mo
Today · 4.125%
HK$57,696
baseline
▲ 0.50% · 4.625%
HK$60,737
+HK$3,041/mo
Deposit HK$10.79M · loan HK$10.79M · min. income ≈ HK$115,392/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$907,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,044
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$60,881
−HK$1,866/mo
Today · 4.125%
HK$62,747
baseline
▲ 0.50% · 4.625%
HK$66,565
+HK$3,818/mo
Deposit HK$8.63M · loan HK$12.95M · min. income ≈ HK$125,494/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$907,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,686
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$67,448
−HK$1,787/mo
Today · 4.125%
HK$69,235
baseline
▲ 0.50% · 4.625%
HK$72,885
+HK$3,650/mo
Deposit HK$8.63M · loan HK$12.95M · min. income ≈ HK$138,470/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$907,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,885
−HK$4,320/mo
▼ 0.25% · 3.875%
HK$71,028
−HK$2,177/mo
Today · 4.125%
HK$73,205
baseline
▲ 0.50% · 4.625%
HK$77,659
+HK$4,454/mo
Deposit HK$6.47M · loan HK$15.10M · min. income ≈ HK$146,410/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$907,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,634
−HK$4,140/mo
▼ 0.25% · 3.875%
HK$78,689
−HK$2,085/mo
Today · 4.125%
HK$80,774
baseline
▲ 0.50% · 4.625%
HK$85,032
+HK$4,258/mo
Deposit HK$6.47M · loan HK$15.10M · min. income ≈ HK$161,548/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$907,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,567
−HK$5,554/mo
▼ 0.25% · 3.875%
HK$91,322
−HK$2,799/mo
Today · 4.125%
HK$94,121
baseline
▲ 0.50% · 4.625%
HK$99,848
+HK$5,727/mo
Deposit HK$2.16M · loan HK$19.42M · min. income ≈ HK$188,242/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$907,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,529
−HK$5,324/mo
▼ 0.25% · 3.875%
HK$101,172
−HK$2,681/mo
Today · 4.125%
HK$103,853
baseline
▲ 0.50% · 4.625%
HK$109,327
+HK$5,474/mo
Deposit HK$2.16M · loan HK$19.42M · min. income ≈ HK$207,706/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$907,813 · Scale 2, in force from 26 Feb 2026)