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$49,318
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$50,852
−HK$1,558/mo
Today · 4.125%
HK$52,410
baseline
▲ 0.50% · 4.625%
HK$55,599
+HK$3,189/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$104,820/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$912,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,865
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$56,337
−HK$1,493/mo
Today · 4.125%
HK$57,830
baseline
▲ 0.50% · 4.625%
HK$60,878
+HK$3,048/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$115,660/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$912,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,181
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$61,022
−HK$1,870/mo
Today · 4.125%
HK$62,892
baseline
▲ 0.50% · 4.625%
HK$66,719
+HK$3,827/mo
Deposit HK$8.65M · loan HK$12.98M · min. income ≈ HK$125,784/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$912,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,839
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$67,604
−HK$1,792/mo
Today · 4.125%
HK$69,396
baseline
▲ 0.50% · 4.625%
HK$73,054
+HK$3,658/mo
Deposit HK$8.65M · loan HK$12.98M · min. income ≈ HK$138,792/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$912,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,045
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$71,193
−HK$2,182/mo
Today · 4.125%
HK$73,375
baseline
▲ 0.50% · 4.625%
HK$77,839
+HK$4,464/mo
Deposit HK$6.49M · loan HK$15.14M · min. income ≈ HK$146,750/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$912,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,812
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$78,872
−HK$2,090/mo
Today · 4.125%
HK$80,962
baseline
▲ 0.50% · 4.625%
HK$85,229
+HK$4,267/mo
Deposit HK$6.49M · loan HK$15.14M · min. income ≈ HK$161,924/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$912,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,772
−HK$5,567/mo
▼ 0.25% · 3.875%
HK$91,533
−HK$2,806/mo
Today · 4.125%
HK$94,339
baseline
▲ 0.50% · 4.625%
HK$100,079
+HK$5,740/mo
Deposit HK$2.16M · loan HK$19.47M · min. income ≈ HK$188,678/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$912,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,758
−HK$5,335/mo
▼ 0.25% · 3.875%
HK$101,406
−HK$2,687/mo
Today · 4.125%
HK$104,093
baseline
▲ 0.50% · 4.625%
HK$109,580
+HK$5,487/mo
Deposit HK$2.16M · loan HK$19.47M · min. income ≈ HK$208,186/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$912,815 · Scale 2, in force from 26 Feb 2026)