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$49,113
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$50,640
−HK$1,552/mo
Today · 4.125%
HK$52,192
baseline
▲ 0.50% · 4.625%
HK$55,368
+HK$3,176/mo
Deposit HK$10.77M · loan HK$10.77M · min. income ≈ HK$104,384/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$903,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,637
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$56,103
−HK$1,486/mo
Today · 4.125%
HK$57,589
baseline
▲ 0.50% · 4.625%
HK$60,625
+HK$3,036/mo
Deposit HK$10.77M · loan HK$10.77M · min. income ≈ HK$115,178/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$903,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,935
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$60,768
−HK$1,863/mo
Today · 4.125%
HK$62,631
baseline
▲ 0.50% · 4.625%
HK$66,442
+HK$3,811/mo
Deposit HK$8.62M · loan HK$12.92M · min. income ≈ HK$125,262/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$903,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,565
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$67,323
−HK$1,784/mo
Today · 4.125%
HK$69,107
baseline
▲ 0.50% · 4.625%
HK$72,750
+HK$3,643/mo
Deposit HK$8.62M · loan HK$12.92M · min. income ≈ HK$138,214/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$903,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,758
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$70,897
−HK$2,172/mo
Today · 4.125%
HK$73,069
baseline
▲ 0.50% · 4.625%
HK$77,516
+HK$4,447/mo
Deposit HK$6.46M · loan HK$15.08M · min. income ≈ HK$146,138/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$903,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,492
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$78,544
−HK$2,081/mo
Today · 4.125%
HK$80,625
baseline
▲ 0.50% · 4.625%
HK$84,875
+HK$4,250/mo
Deposit HK$6.46M · loan HK$15.08M · min. income ≈ HK$161,250/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$903,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,403
−HK$5,543/mo
▼ 0.25% · 3.875%
HK$91,153
−HK$2,793/mo
Today · 4.125%
HK$93,946
baseline
▲ 0.50% · 4.625%
HK$99,663
+HK$5,717/mo
Deposit HK$2.15M · loan HK$19.38M · min. income ≈ HK$187,892/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$903,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,347
−HK$5,314/mo
▼ 0.25% · 3.875%
HK$100,985
−HK$2,676/mo
Today · 4.125%
HK$103,661
baseline
▲ 0.50% · 4.625%
HK$109,125
+HK$5,464/mo
Deposit HK$2.15M · loan HK$19.38M · min. income ≈ HK$207,322/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$903,823 · Scale 2, in force from 26 Feb 2026)