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$49,150
−HK$3,082/mo
▼ 0.25% · 3.875%
HK$50,679
−HK$1,553/mo
Today · 4.125%
HK$52,232
baseline
▲ 0.50% · 4.625%
HK$55,411
+HK$3,179/mo
Deposit HK$10.78M · loan HK$10.78M · min. income ≈ HK$104,464/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$905,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,679
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$56,146
−HK$1,487/mo
Today · 4.125%
HK$57,633
baseline
▲ 0.50% · 4.625%
HK$60,671
+HK$3,038/mo
Deposit HK$10.78M · loan HK$10.78M · min. income ≈ HK$115,266/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$905,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,980
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$60,815
−HK$1,864/mo
Today · 4.125%
HK$62,679
baseline
▲ 0.50% · 4.625%
HK$66,493
+HK$3,814/mo
Deposit HK$8.62M · loan HK$12.93M · min. income ≈ HK$125,358/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$905,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,615
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$67,375
−HK$1,785/mo
Today · 4.125%
HK$69,160
baseline
▲ 0.50% · 4.625%
HK$72,805
+HK$3,645/mo
Deposit HK$8.62M · loan HK$12.93M · min. income ≈ HK$138,320/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$905,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,810
−HK$4,315/mo
▼ 0.25% · 3.875%
HK$70,951
−HK$2,174/mo
Today · 4.125%
HK$73,125
baseline
▲ 0.50% · 4.625%
HK$77,575
+HK$4,450/mo
Deposit HK$6.47M · loan HK$15.09M · min. income ≈ HK$146,250/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$905,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,551
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$78,604
−HK$2,083/mo
Today · 4.125%
HK$80,687
baseline
▲ 0.50% · 4.625%
HK$84,940
+HK$4,253/mo
Deposit HK$6.47M · loan HK$15.09M · min. income ≈ HK$161,374/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$905,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,470
−HK$5,548/mo
▼ 0.25% · 3.875%
HK$91,222
−HK$2,796/mo
Today · 4.125%
HK$94,018
baseline
▲ 0.50% · 4.625%
HK$99,739
+HK$5,721/mo
Deposit HK$2.16M · loan HK$19.40M · min. income ≈ HK$188,036/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$905,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,422
−HK$5,318/mo
▼ 0.25% · 3.875%
HK$101,062
−HK$2,678/mo
Today · 4.125%
HK$103,740
baseline
▲ 0.50% · 4.625%
HK$109,208
+HK$5,468/mo
Deposit HK$2.16M · loan HK$19.40M · min. income ≈ HK$207,480/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$905,470 · Scale 2, in force from 26 Feb 2026)