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$49,227
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$50,758
−HK$1,556/mo
Today · 4.125%
HK$52,314
baseline
▲ 0.50% · 4.625%
HK$55,497
+HK$3,183/mo
Deposit HK$10.79M · loan HK$10.79M · min. income ≈ HK$104,628/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$908,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,764
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$56,233
−HK$1,490/mo
Today · 4.125%
HK$57,723
baseline
▲ 0.50% · 4.625%
HK$60,766
+HK$3,043/mo
Deposit HK$10.79M · loan HK$10.79M · min. income ≈ HK$115,446/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$908,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,072
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$60,910
−HK$1,866/mo
Today · 4.125%
HK$62,776
baseline
▲ 0.50% · 4.625%
HK$66,596
+HK$3,820/mo
Deposit HK$8.64M · loan HK$12.95M · min. income ≈ HK$125,552/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$908,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,717
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$67,480
−HK$1,788/mo
Today · 4.125%
HK$69,268
baseline
▲ 0.50% · 4.625%
HK$72,919
+HK$3,651/mo
Deposit HK$8.64M · loan HK$12.95M · min. income ≈ HK$138,536/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$908,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,917
−HK$4,322/mo
▼ 0.25% · 3.875%
HK$71,061
−HK$2,178/mo
Today · 4.125%
HK$73,239
baseline
▲ 0.50% · 4.625%
HK$77,696
+HK$4,457/mo
Deposit HK$6.48M · loan HK$15.11M · min. income ≈ HK$146,478/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$908,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,670
−HK$4,142/mo
▼ 0.25% · 3.875%
HK$78,726
−HK$2,086/mo
Today · 4.125%
HK$80,812
baseline
▲ 0.50% · 4.625%
HK$85,072
+HK$4,260/mo
Deposit HK$6.48M · loan HK$15.11M · min. income ≈ HK$161,624/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$908,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,608
−HK$5,557/mo
▼ 0.25% · 3.875%
HK$91,364
−HK$2,801/mo
Today · 4.125%
HK$94,165
baseline
▲ 0.50% · 4.625%
HK$99,894
+HK$5,729/mo
Deposit HK$2.16M · loan HK$19.43M · min. income ≈ HK$188,330/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$908,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,576
−HK$5,325/mo
▼ 0.25% · 3.875%
HK$101,219
−HK$2,682/mo
Today · 4.125%
HK$103,901
baseline
▲ 0.50% · 4.625%
HK$109,378
+HK$5,477/mo
Deposit HK$2.16M · loan HK$19.43M · min. income ≈ HK$207,802/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$908,826 · Scale 2, in force from 26 Feb 2026)