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$49,193
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$50,723
−HK$1,555/mo
Today · 4.125%
HK$52,278
baseline
▲ 0.50% · 4.625%
HK$55,459
+HK$3,181/mo
Deposit HK$10.79M · loan HK$10.79M · min. income ≈ HK$104,556/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$907,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,727
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$56,195
−HK$1,489/mo
Today · 4.125%
HK$57,684
baseline
▲ 0.50% · 4.625%
HK$60,724
+HK$3,040/mo
Deposit HK$10.79M · loan HK$10.79M · min. income ≈ HK$115,368/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$907,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,032
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$60,868
−HK$1,866/mo
Today · 4.125%
HK$62,734
baseline
▲ 0.50% · 4.625%
HK$66,551
+HK$3,817/mo
Deposit HK$8.63M · loan HK$12.94M · min. income ≈ HK$125,468/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$907,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,672
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$67,434
−HK$1,786/mo
Today · 4.125%
HK$69,220
baseline
▲ 0.50% · 4.625%
HK$72,869
+HK$3,649/mo
Deposit HK$8.63M · loan HK$12.94M · min. income ≈ HK$138,440/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$907,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,870
−HK$4,319/mo
▼ 0.25% · 3.875%
HK$71,013
−HK$2,176/mo
Today · 4.125%
HK$73,189
baseline
▲ 0.50% · 4.625%
HK$77,643
+HK$4,454/mo
Deposit HK$6.47M · loan HK$15.10M · min. income ≈ HK$146,378/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$907,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,618
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$78,672
−HK$2,085/mo
Today · 4.125%
HK$80,757
baseline
▲ 0.50% · 4.625%
HK$85,014
+HK$4,257/mo
Deposit HK$6.47M · loan HK$15.10M · min. income ≈ HK$161,514/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$907,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,548
−HK$5,552/mo
▼ 0.25% · 3.875%
HK$91,302
−HK$2,798/mo
Today · 4.125%
HK$94,100
baseline
▲ 0.50% · 4.625%
HK$99,826
+HK$5,726/mo
Deposit HK$2.16M · loan HK$19.42M · min. income ≈ HK$188,200/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$907,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,508
−HK$5,322/mo
▼ 0.25% · 3.875%
HK$101,150
−HK$2,680/mo
Today · 4.125%
HK$103,830
baseline
▲ 0.50% · 4.625%
HK$109,304
+HK$5,474/mo
Deposit HK$2.16M · loan HK$19.42M · min. income ≈ HK$207,660/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$907,352 · Scale 2, in force from 26 Feb 2026)