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$49,331
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$50,865
−HK$1,559/mo
Today · 4.125%
HK$52,424
baseline
▲ 0.50% · 4.625%
HK$55,614
+HK$3,190/mo
Deposit HK$10.82M · loan HK$10.82M · min. income ≈ HK$104,848/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$913,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,880
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$56,352
−HK$1,493/mo
Today · 4.125%
HK$57,845
baseline
▲ 0.50% · 4.625%
HK$60,894
+HK$3,049/mo
Deposit HK$10.82M · loan HK$10.82M · min. income ≈ HK$115,690/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$913,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,197
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$61,038
−HK$1,871/mo
Today · 4.125%
HK$62,909
baseline
▲ 0.50% · 4.625%
HK$66,737
+HK$3,828/mo
Deposit HK$8.65M · loan HK$12.98M · min. income ≈ HK$125,818/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$913,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,856
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$67,622
−HK$1,792/mo
Today · 4.125%
HK$69,414
baseline
▲ 0.50% · 4.625%
HK$73,073
+HK$3,659/mo
Deposit HK$8.65M · loan HK$12.98M · min. income ≈ HK$138,828/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$913,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,063
−HK$4,331/mo
▼ 0.25% · 3.875%
HK$71,212
−HK$2,182/mo
Today · 4.125%
HK$73,394
baseline
▲ 0.50% · 4.625%
HK$77,860
+HK$4,466/mo
Deposit HK$6.49M · loan HK$15.14M · min. income ≈ HK$146,788/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$913,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,832
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$78,893
−HK$2,090/mo
Today · 4.125%
HK$80,983
baseline
▲ 0.50% · 4.625%
HK$85,252
+HK$4,269/mo
Deposit HK$6.49M · loan HK$15.14M · min. income ≈ HK$161,966/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$913,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,796
−HK$5,568/mo
▼ 0.25% · 3.875%
HK$91,558
−HK$2,806/mo
Today · 4.125%
HK$94,364
baseline
▲ 0.50% · 4.625%
HK$100,106
+HK$5,742/mo
Deposit HK$2.16M · loan HK$19.47M · min. income ≈ HK$188,728/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$913,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,784
−HK$5,337/mo
▼ 0.25% · 3.875%
HK$101,434
−HK$2,687/mo
Today · 4.125%
HK$104,121
baseline
▲ 0.50% · 4.625%
HK$109,610
+HK$5,489/mo
Deposit HK$2.16M · loan HK$19.47M · min. income ≈ HK$208,242/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$913,393 · Scale 2, in force from 26 Feb 2026)