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$49,303
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$50,836
−HK$1,558/mo
Today · 4.125%
HK$52,394
baseline
▲ 0.50% · 4.625%
HK$55,582
+HK$3,188/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$104,788/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$912,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,849
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$56,320
−HK$1,492/mo
Today · 4.125%
HK$57,812
baseline
▲ 0.50% · 4.625%
HK$60,859
+HK$3,047/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$115,624/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$912,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,163
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$61,004
−HK$1,869/mo
Today · 4.125%
HK$62,873
baseline
▲ 0.50% · 4.625%
HK$66,699
+HK$3,826/mo
Deposit HK$8.65M · loan HK$12.97M · min. income ≈ HK$125,746/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$912,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,818
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$67,584
−HK$1,790/mo
Today · 4.125%
HK$69,374
baseline
▲ 0.50% · 4.625%
HK$73,031
+HK$3,657/mo
Deposit HK$8.65M · loan HK$12.97M · min. income ≈ HK$138,748/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$912,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,024
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$71,171
−HK$2,181/mo
Today · 4.125%
HK$73,352
baseline
▲ 0.50% · 4.625%
HK$77,815
+HK$4,463/mo
Deposit HK$6.49M · loan HK$15.14M · min. income ≈ HK$146,704/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$912,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,788
−HK$4,149/mo
▼ 0.25% · 3.875%
HK$78,848
−HK$2,089/mo
Today · 4.125%
HK$80,937
baseline
▲ 0.50% · 4.625%
HK$85,203
+HK$4,266/mo
Deposit HK$6.49M · loan HK$15.14M · min. income ≈ HK$161,874/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$912,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,745
−HK$5,565/mo
▼ 0.25% · 3.875%
HK$91,505
−HK$2,805/mo
Today · 4.125%
HK$94,310
baseline
▲ 0.50% · 4.625%
HK$100,048
+HK$5,738/mo
Deposit HK$2.16M · loan HK$19.46M · min. income ≈ HK$188,620/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$912,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,728
−HK$5,334/mo
▼ 0.25% · 3.875%
HK$101,376
−HK$2,686/mo
Today · 4.125%
HK$104,062
baseline
▲ 0.50% · 4.625%
HK$109,547
+HK$5,485/mo
Deposit HK$2.16M · loan HK$19.46M · min. income ≈ HK$208,124/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$912,155 · Scale 2, in force from 26 Feb 2026)