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$49,292
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$50,825
−HK$1,558/mo
Today · 4.125%
HK$52,383
baseline
▲ 0.50% · 4.625%
HK$55,570
+HK$3,187/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$104,766/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$911,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,837
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$56,307
−HK$1,492/mo
Today · 4.125%
HK$57,799
baseline
▲ 0.50% · 4.625%
HK$60,846
+HK$3,047/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$115,598/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$911,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,150
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$60,990
−HK$1,869/mo
Today · 4.125%
HK$62,859
baseline
▲ 0.50% · 4.625%
HK$66,684
+HK$3,825/mo
Deposit HK$8.65M · loan HK$12.97M · min. income ≈ HK$125,718/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$911,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,804
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$67,569
−HK$1,790/mo
Today · 4.125%
HK$69,359
baseline
▲ 0.50% · 4.625%
HK$73,015
+HK$3,656/mo
Deposit HK$8.65M · loan HK$12.97M · min. income ≈ HK$138,718/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$911,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,008
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$71,155
−HK$2,181/mo
Today · 4.125%
HK$73,336
baseline
▲ 0.50% · 4.625%
HK$77,798
+HK$4,462/mo
Deposit HK$6.49M · loan HK$15.13M · min. income ≈ HK$146,672/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$911,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,771
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$78,830
−HK$2,089/mo
Today · 4.125%
HK$80,919
baseline
▲ 0.50% · 4.625%
HK$85,184
+HK$4,265/mo
Deposit HK$6.49M · loan HK$15.13M · min. income ≈ HK$161,838/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$911,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,725
−HK$5,564/mo
▼ 0.25% · 3.875%
HK$91,485
−HK$2,804/mo
Today · 4.125%
HK$94,289
baseline
▲ 0.50% · 4.625%
HK$100,026
+HK$5,737/mo
Deposit HK$2.16M · loan HK$19.46M · min. income ≈ HK$188,578/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$911,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,706
−HK$5,333/mo
▼ 0.25% · 3.875%
HK$101,353
−HK$2,686/mo
Today · 4.125%
HK$104,039
baseline
▲ 0.50% · 4.625%
HK$109,523
+HK$5,484/mo
Deposit HK$2.16M · loan HK$19.46M · min. income ≈ HK$208,078/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$911,676 · Scale 2, in force from 26 Feb 2026)