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$49,105
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$50,633
−HK$1,552/mo
Today · 4.125%
HK$52,185
baseline
▲ 0.50% · 4.625%
HK$55,360
+HK$3,175/mo
Deposit HK$10.77M · loan HK$10.77M · min. income ≈ HK$104,370/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$903,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,629
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$56,094
−HK$1,486/mo
Today · 4.125%
HK$57,580
baseline
▲ 0.50% · 4.625%
HK$60,616
+HK$3,036/mo
Deposit HK$10.77M · loan HK$10.77M · min. income ≈ HK$115,160/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$903,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,926
−HK$3,695/mo
▼ 0.25% · 3.875%
HK$60,759
−HK$1,862/mo
Today · 4.125%
HK$62,621
baseline
▲ 0.50% · 4.625%
HK$66,432
+HK$3,811/mo
Deposit HK$8.61M · loan HK$12.92M · min. income ≈ HK$125,242/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$903,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,555
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$67,313
−HK$1,784/mo
Today · 4.125%
HK$69,097
baseline
▲ 0.50% · 4.625%
HK$72,739
+HK$3,642/mo
Deposit HK$8.61M · loan HK$12.92M · min. income ≈ HK$138,194/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$903,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,747
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$70,886
−HK$2,172/mo
Today · 4.125%
HK$73,058
baseline
▲ 0.50% · 4.625%
HK$77,504
+HK$4,446/mo
Deposit HK$6.46M · loan HK$15.07M · min. income ≈ HK$146,116/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$903,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,481
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$78,532
−HK$2,081/mo
Today · 4.125%
HK$80,613
baseline
▲ 0.50% · 4.625%
HK$84,862
+HK$4,249/mo
Deposit HK$6.46M · loan HK$15.07M · min. income ≈ HK$161,226/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$903,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,389
−HK$5,543/mo
▼ 0.25% · 3.875%
HK$91,139
−HK$2,793/mo
Today · 4.125%
HK$93,932
baseline
▲ 0.50% · 4.625%
HK$99,648
+HK$5,716/mo
Deposit HK$2.15M · loan HK$19.38M · min. income ≈ HK$187,864/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$903,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,332
−HK$5,313/mo
▼ 0.25% · 3.875%
HK$100,970
−HK$2,675/mo
Today · 4.125%
HK$103,645
baseline
▲ 0.50% · 4.625%
HK$109,108
+HK$5,463/mo
Deposit HK$2.15M · loan HK$19.38M · min. income ≈ HK$207,290/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$903,495 · Scale 2, in force from 26 Feb 2026)