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$49,155
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$50,684
−HK$1,554/mo
Today · 4.125%
HK$52,238
baseline
▲ 0.50% · 4.625%
HK$55,416
+HK$3,178/mo
Deposit HK$10.78M · loan HK$10.78M · min. income ≈ HK$104,476/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$905,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,685
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$56,152
−HK$1,487/mo
Today · 4.125%
HK$57,639
baseline
▲ 0.50% · 4.625%
HK$60,678
+HK$3,039/mo
Deposit HK$10.78M · loan HK$10.78M · min. income ≈ HK$115,278/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$905,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,987
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$60,821
−HK$1,865/mo
Today · 4.125%
HK$62,686
baseline
▲ 0.50% · 4.625%
HK$66,500
+HK$3,814/mo
Deposit HK$8.62M · loan HK$12.93M · min. income ≈ HK$125,372/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$905,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,622
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$67,382
−HK$1,785/mo
Today · 4.125%
HK$69,167
baseline
▲ 0.50% · 4.625%
HK$72,813
+HK$3,646/mo
Deposit HK$8.62M · loan HK$12.93M · min. income ≈ HK$138,334/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$905,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,818
−HK$4,315/mo
▼ 0.25% · 3.875%
HK$70,958
−HK$2,175/mo
Today · 4.125%
HK$73,133
baseline
▲ 0.50% · 4.625%
HK$77,583
+HK$4,450/mo
Deposit HK$6.47M · loan HK$15.09M · min. income ≈ HK$146,266/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$905,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,559
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$78,612
−HK$2,083/mo
Today · 4.125%
HK$80,695
baseline
▲ 0.50% · 4.625%
HK$84,949
+HK$4,254/mo
Deposit HK$6.47M · loan HK$15.09M · min. income ≈ HK$161,390/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$905,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,480
−HK$5,548/mo
▼ 0.25% · 3.875%
HK$91,232
−HK$2,796/mo
Today · 4.125%
HK$94,028
baseline
▲ 0.50% · 4.625%
HK$99,750
+HK$5,722/mo
Deposit HK$2.16M · loan HK$19.40M · min. income ≈ HK$188,056/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$905,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,433
−HK$5,318/mo
▼ 0.25% · 3.875%
HK$101,073
−HK$2,678/mo
Today · 4.125%
HK$103,751
baseline
▲ 0.50% · 4.625%
HK$109,220
+HK$5,469/mo
Deposit HK$2.16M · loan HK$19.40M · min. income ≈ HK$207,502/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$905,699 · Scale 2, in force from 26 Feb 2026)