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$49,069
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$50,596
−HK$1,550/mo
Today · 4.125%
HK$52,146
baseline
▲ 0.50% · 4.625%
HK$55,319
+HK$3,173/mo
Deposit HK$10.76M · loan HK$10.76M · min. income ≈ HK$104,292/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$901,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,589
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$56,053
−HK$1,485/mo
Today · 4.125%
HK$57,538
baseline
▲ 0.50% · 4.625%
HK$60,571
+HK$3,033/mo
Deposit HK$10.76M · loan HK$10.76M · min. income ≈ HK$115,076/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$901,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,883
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$60,715
−HK$1,861/mo
Today · 4.125%
HK$62,576
baseline
▲ 0.50% · 4.625%
HK$66,383
+HK$3,807/mo
Deposit HK$8.61M · loan HK$12.91M · min. income ≈ HK$125,152/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$901,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,507
−HK$3,539/mo
▼ 0.25% · 3.875%
HK$67,264
−HK$1,782/mo
Today · 4.125%
HK$69,046
baseline
▲ 0.50% · 4.625%
HK$72,686
+HK$3,640/mo
Deposit HK$8.61M · loan HK$12.91M · min. income ≈ HK$138,092/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$901,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,697
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$70,834
−HK$2,171/mo
Today · 4.125%
HK$73,005
baseline
▲ 0.50% · 4.625%
HK$77,447
+HK$4,442/mo
Deposit HK$6.46M · loan HK$15.06M · min. income ≈ HK$146,010/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$901,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,425
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$78,474
−HK$2,080/mo
Today · 4.125%
HK$80,554
baseline
▲ 0.50% · 4.625%
HK$84,800
+HK$4,246/mo
Deposit HK$6.46M · loan HK$15.06M · min. income ≈ HK$161,108/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$901,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,325
−HK$5,539/mo
▼ 0.25% · 3.875%
HK$91,072
−HK$2,792/mo
Today · 4.125%
HK$93,864
baseline
▲ 0.50% · 4.625%
HK$99,575
+HK$5,711/mo
Deposit HK$2.15M · loan HK$19.37M · min. income ≈ HK$187,728/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$901,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,260
−HK$5,309/mo
▼ 0.25% · 3.875%
HK$100,896
−HK$2,673/mo
Today · 4.125%
HK$103,569
baseline
▲ 0.50% · 4.625%
HK$109,028
+HK$5,459/mo
Deposit HK$2.15M · loan HK$19.37M · min. income ≈ HK$207,138/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$901,922 · Scale 2, in force from 26 Feb 2026)