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$49,342
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$50,877
−HK$1,559/mo
Today · 4.125%
HK$52,436
baseline
▲ 0.50% · 4.625%
HK$55,627
+HK$3,191/mo
Deposit HK$10.82M · loan HK$10.82M · min. income ≈ HK$104,872/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$913,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,892
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$56,365
−HK$1,493/mo
Today · 4.125%
HK$57,858
baseline
▲ 0.50% · 4.625%
HK$60,908
+HK$3,050/mo
Deposit HK$10.82M · loan HK$10.82M · min. income ≈ HK$115,716/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$913,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,210
−HK$3,713/mo
▼ 0.25% · 3.875%
HK$61,052
−HK$1,871/mo
Today · 4.125%
HK$62,923
baseline
▲ 0.50% · 4.625%
HK$66,752
+HK$3,829/mo
Deposit HK$8.66M · loan HK$12.98M · min. income ≈ HK$125,846/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$913,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,871
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$67,638
−HK$1,792/mo
Today · 4.125%
HK$69,430
baseline
▲ 0.50% · 4.625%
HK$73,090
+HK$3,660/mo
Deposit HK$8.66M · loan HK$12.98M · min. income ≈ HK$138,860/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$913,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,079
−HK$4,332/mo
▼ 0.25% · 3.875%
HK$71,228
−HK$2,183/mo
Today · 4.125%
HK$73,411
baseline
▲ 0.50% · 4.625%
HK$77,878
+HK$4,467/mo
Deposit HK$6.49M · loan HK$15.15M · min. income ≈ HK$146,822/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$913,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,849
−HK$4,152/mo
▼ 0.25% · 3.875%
HK$78,911
−HK$2,090/mo
Today · 4.125%
HK$81,001
baseline
▲ 0.50% · 4.625%
HK$85,271
+HK$4,270/mo
Deposit HK$6.49M · loan HK$15.15M · min. income ≈ HK$162,002/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$913,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,816
−HK$5,569/mo
▼ 0.25% · 3.875%
HK$91,578
−HK$2,807/mo
Today · 4.125%
HK$94,385
baseline
▲ 0.50% · 4.625%
HK$100,128
+HK$5,743/mo
Deposit HK$2.16M · loan HK$19.47M · min. income ≈ HK$188,770/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$913,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,806
−HK$5,339/mo
▼ 0.25% · 3.875%
HK$101,456
−HK$2,689/mo
Today · 4.125%
HK$104,145
baseline
▲ 0.50% · 4.625%
HK$109,634
+HK$5,489/mo
Deposit HK$2.16M · loan HK$19.47M · min. income ≈ HK$208,290/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$913,880 · Scale 2, in force from 26 Feb 2026)