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$49,074
−HK$3,078/mo
▼ 0.25% · 3.875%
HK$50,601
−HK$1,551/mo
Today · 4.125%
HK$52,152
baseline
▲ 0.50% · 4.625%
HK$55,325
+HK$3,173/mo
Deposit HK$10.76M · loan HK$10.76M · min. income ≈ HK$104,304/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$902,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,595
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$56,059
−HK$1,485/mo
Today · 4.125%
HK$57,544
baseline
▲ 0.50% · 4.625%
HK$60,578
+HK$3,034/mo
Deposit HK$10.76M · loan HK$10.76M · min. income ≈ HK$115,088/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$902,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,889
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$60,721
−HK$1,861/mo
Today · 4.125%
HK$62,582
baseline
▲ 0.50% · 4.625%
HK$66,390
+HK$3,808/mo
Deposit HK$8.61M · loan HK$12.91M · min. income ≈ HK$125,164/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$902,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,514
−HK$3,539/mo
▼ 0.25% · 3.875%
HK$67,271
−HK$1,782/mo
Today · 4.125%
HK$69,053
baseline
▲ 0.50% · 4.625%
HK$72,693
+HK$3,640/mo
Deposit HK$8.61M · loan HK$12.91M · min. income ≈ HK$138,106/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$902,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,704
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$70,841
−HK$2,171/mo
Today · 4.125%
HK$73,012
baseline
▲ 0.50% · 4.625%
HK$77,455
+HK$4,443/mo
Deposit HK$6.46M · loan HK$15.07M · min. income ≈ HK$146,024/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$902,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,433
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$78,483
−HK$2,079/mo
Today · 4.125%
HK$80,562
baseline
▲ 0.50% · 4.625%
HK$84,809
+HK$4,247/mo
Deposit HK$6.46M · loan HK$15.07M · min. income ≈ HK$161,124/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$902,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,334
−HK$5,539/mo
▼ 0.25% · 3.875%
HK$91,082
−HK$2,791/mo
Today · 4.125%
HK$93,873
baseline
▲ 0.50% · 4.625%
HK$99,585
+HK$5,712/mo
Deposit HK$2.15M · loan HK$19.37M · min. income ≈ HK$187,746/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$902,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,271
−HK$5,309/mo
▼ 0.25% · 3.875%
HK$100,906
−HK$2,674/mo
Today · 4.125%
HK$103,580
baseline
▲ 0.50% · 4.625%
HK$109,040
+HK$5,460/mo
Deposit HK$2.15M · loan HK$19.37M · min. income ≈ HK$207,160/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$902,144 · Scale 2, in force from 26 Feb 2026)