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$49,102
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$50,630
−HK$1,551/mo
Today · 4.125%
HK$52,181
baseline
▲ 0.50% · 4.625%
HK$55,357
+HK$3,176/mo
Deposit HK$10.77M · loan HK$10.77M · min. income ≈ HK$104,362/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$903,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,626
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$56,091
−HK$1,486/mo
Today · 4.125%
HK$57,577
baseline
▲ 0.50% · 4.625%
HK$60,612
+HK$3,035/mo
Deposit HK$10.77M · loan HK$10.77M · min. income ≈ HK$115,154/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$903,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,923
−HK$3,695/mo
▼ 0.25% · 3.875%
HK$60,756
−HK$1,862/mo
Today · 4.125%
HK$62,618
baseline
▲ 0.50% · 4.625%
HK$66,428
+HK$3,810/mo
Deposit HK$8.61M · loan HK$12.92M · min. income ≈ HK$125,236/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$903,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,551
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$67,309
−HK$1,783/mo
Today · 4.125%
HK$69,092
baseline
▲ 0.50% · 4.625%
HK$72,734
+HK$3,642/mo
Deposit HK$8.61M · loan HK$12.92M · min. income ≈ HK$138,184/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$903,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,743
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$70,882
−HK$2,172/mo
Today · 4.125%
HK$73,054
baseline
▲ 0.50% · 4.625%
HK$77,499
+HK$4,445/mo
Deposit HK$6.46M · loan HK$15.07M · min. income ≈ HK$146,108/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$903,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,476
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$78,527
−HK$2,081/mo
Today · 4.125%
HK$80,608
baseline
▲ 0.50% · 4.625%
HK$84,857
+HK$4,249/mo
Deposit HK$6.46M · loan HK$15.07M · min. income ≈ HK$161,216/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$903,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,384
−HK$5,543/mo
▼ 0.25% · 3.875%
HK$91,133
−HK$2,794/mo
Today · 4.125%
HK$93,927
baseline
▲ 0.50% · 4.625%
HK$99,642
+HK$5,715/mo
Deposit HK$2.15M · loan HK$19.38M · min. income ≈ HK$187,854/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$903,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,326
−HK$5,313/mo
▼ 0.25% · 3.875%
HK$100,963
−HK$2,676/mo
Today · 4.125%
HK$103,639
baseline
▲ 0.50% · 4.625%
HK$109,102
+HK$5,463/mo
Deposit HK$2.15M · loan HK$19.38M · min. income ≈ HK$207,278/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$903,367 · Scale 2, in force from 26 Feb 2026)