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$49,170
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$50,699
−HK$1,554/mo
Today · 4.125%
HK$52,253
baseline
▲ 0.50% · 4.625%
HK$55,433
+HK$3,180/mo
Deposit HK$10.78M · loan HK$10.78M · min. income ≈ HK$104,506/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$906,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,701
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$56,168
−HK$1,488/mo
Today · 4.125%
HK$57,656
baseline
▲ 0.50% · 4.625%
HK$60,695
+HK$3,039/mo
Deposit HK$10.78M · loan HK$10.78M · min. income ≈ HK$115,312/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$906,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,004
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$60,839
−HK$1,865/mo
Today · 4.125%
HK$62,704
baseline
▲ 0.50% · 4.625%
HK$66,519
+HK$3,815/mo
Deposit HK$8.63M · loan HK$12.94M · min. income ≈ HK$125,408/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$906,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,641
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$67,401
−HK$1,786/mo
Today · 4.125%
HK$69,187
baseline
▲ 0.50% · 4.625%
HK$72,834
+HK$3,647/mo
Deposit HK$8.63M · loan HK$12.94M · min. income ≈ HK$138,374/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$906,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,838
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$70,979
−HK$2,175/mo
Today · 4.125%
HK$73,154
baseline
▲ 0.50% · 4.625%
HK$77,606
+HK$4,452/mo
Deposit HK$6.47M · loan HK$15.09M · min. income ≈ HK$146,308/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$906,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,581
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$78,635
−HK$2,084/mo
Today · 4.125%
HK$80,719
baseline
▲ 0.50% · 4.625%
HK$84,973
+HK$4,254/mo
Deposit HK$6.47M · loan HK$15.09M · min. income ≈ HK$161,438/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$906,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,506
−HK$5,550/mo
▼ 0.25% · 3.875%
HK$91,259
−HK$2,797/mo
Today · 4.125%
HK$94,056
baseline
▲ 0.50% · 4.625%
HK$99,779
+HK$5,723/mo
Deposit HK$2.16M · loan HK$19.41M · min. income ≈ HK$188,112/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$906,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,462
−HK$5,319/mo
▼ 0.25% · 3.875%
HK$101,102
−HK$2,679/mo
Today · 4.125%
HK$103,781
baseline
▲ 0.50% · 4.625%
HK$109,252
+HK$5,471/mo
Deposit HK$2.16M · loan HK$19.41M · min. income ≈ HK$207,562/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$906,326 · Scale 2, in force from 26 Feb 2026)