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$49,280
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$50,813
−HK$1,557/mo
Today · 4.125%
HK$52,370
baseline
▲ 0.50% · 4.625%
HK$55,557
+HK$3,187/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$104,740/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$911,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,823
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$56,294
−HK$1,491/mo
Today · 4.125%
HK$57,785
baseline
▲ 0.50% · 4.625%
HK$60,831
+HK$3,046/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$115,570/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$911,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,136
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$60,975
−HK$1,869/mo
Today · 4.125%
HK$62,844
baseline
▲ 0.50% · 4.625%
HK$66,668
+HK$3,824/mo
Deposit HK$8.64M · loan HK$12.97M · min. income ≈ HK$125,688/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$911,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,788
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$67,552
−HK$1,790/mo
Today · 4.125%
HK$69,342
baseline
▲ 0.50% · 4.625%
HK$72,997
+HK$3,655/mo
Deposit HK$8.64M · loan HK$12.97M · min. income ≈ HK$138,684/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$911,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,992
−HK$4,326/mo
▼ 0.25% · 3.875%
HK$71,138
−HK$2,180/mo
Today · 4.125%
HK$73,318
baseline
▲ 0.50% · 4.625%
HK$77,779
+HK$4,461/mo
Deposit HK$6.48M · loan HK$15.13M · min. income ≈ HK$146,636/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$911,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,752
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$78,811
−HK$2,088/mo
Today · 4.125%
HK$80,899
baseline
▲ 0.50% · 4.625%
HK$85,164
+HK$4,265/mo
Deposit HK$6.48M · loan HK$15.13M · min. income ≈ HK$161,798/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$911,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,704
−HK$5,562/mo
▼ 0.25% · 3.875%
HK$91,463
−HK$2,803/mo
Today · 4.125%
HK$94,266
baseline
▲ 0.50% · 4.625%
HK$100,002
+HK$5,736/mo
Deposit HK$2.16M · loan HK$19.45M · min. income ≈ HK$188,532/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$911,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,682
−HK$5,331/mo
▼ 0.25% · 3.875%
HK$101,328
−HK$2,685/mo
Today · 4.125%
HK$104,013
baseline
▲ 0.50% · 4.625%
HK$109,496
+HK$5,483/mo
Deposit HK$2.16M · loan HK$19.45M · min. income ≈ HK$208,026/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$911,149 · Scale 2, in force from 26 Feb 2026)