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$49,358
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$50,893
−HK$1,560/mo
Today · 4.125%
HK$52,453
baseline
▲ 0.50% · 4.625%
HK$55,644
+HK$3,191/mo
Deposit HK$10.82M · loan HK$10.82M · min. income ≈ HK$104,906/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$914,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,910
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$56,383
−HK$1,494/mo
Today · 4.125%
HK$57,877
baseline
▲ 0.50% · 4.625%
HK$60,927
+HK$3,050/mo
Deposit HK$10.82M · loan HK$10.82M · min. income ≈ HK$115,754/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$914,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,229
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$61,072
−HK$1,871/mo
Today · 4.125%
HK$62,943
baseline
▲ 0.50% · 4.625%
HK$66,773
+HK$3,830/mo
Deposit HK$8.66M · loan HK$12.99M · min. income ≈ HK$125,886/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$914,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,892
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$67,659
−HK$1,793/mo
Today · 4.125%
HK$69,452
baseline
▲ 0.50% · 4.625%
HK$73,113
+HK$3,661/mo
Deposit HK$8.66M · loan HK$12.99M · min. income ≈ HK$138,904/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$914,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,101
−HK$4,333/mo
▼ 0.25% · 3.875%
HK$71,250
−HK$2,184/mo
Today · 4.125%
HK$73,434
baseline
▲ 0.50% · 4.625%
HK$77,902
+HK$4,468/mo
Deposit HK$6.49M · loan HK$15.15M · min. income ≈ HK$146,868/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$914,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,874
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$78,936
−HK$2,091/mo
Today · 4.125%
HK$81,027
baseline
▲ 0.50% · 4.625%
HK$85,298
+HK$4,271/mo
Deposit HK$6.49M · loan HK$15.15M · min. income ≈ HK$162,054/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$914,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,844
−HK$5,571/mo
▼ 0.25% · 3.875%
HK$91,607
−HK$2,808/mo
Today · 4.125%
HK$94,415
baseline
▲ 0.50% · 4.625%
HK$100,160
+HK$5,745/mo
Deposit HK$2.16M · loan HK$19.48M · min. income ≈ HK$188,830/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$914,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,838
−HK$5,340/mo
▼ 0.25% · 3.875%
HK$101,489
−HK$2,689/mo
Today · 4.125%
HK$104,178
baseline
▲ 0.50% · 4.625%
HK$109,669
+HK$5,491/mo
Deposit HK$2.16M · loan HK$19.48M · min. income ≈ HK$208,356/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$914,568 · Scale 2, in force from 26 Feb 2026)