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$49,305
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$50,838
−HK$1,558/mo
Today · 4.125%
HK$52,396
baseline
▲ 0.50% · 4.625%
HK$55,585
+HK$3,189/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$104,792/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$912,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,851
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$56,322
−HK$1,492/mo
Today · 4.125%
HK$57,814
baseline
▲ 0.50% · 4.625%
HK$60,862
+HK$3,048/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$115,628/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$912,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,166
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$61,006
−HK$1,870/mo
Today · 4.125%
HK$62,876
baseline
▲ 0.50% · 4.625%
HK$66,702
+HK$3,826/mo
Deposit HK$8.65M · loan HK$12.97M · min. income ≈ HK$125,752/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$912,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,821
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$67,586
−HK$1,791/mo
Today · 4.125%
HK$69,377
baseline
▲ 0.50% · 4.625%
HK$73,034
+HK$3,657/mo
Deposit HK$8.65M · loan HK$12.97M · min. income ≈ HK$138,754/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$912,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,026
−HK$4,329/mo
▼ 0.25% · 3.875%
HK$71,174
−HK$2,181/mo
Today · 4.125%
HK$73,355
baseline
▲ 0.50% · 4.625%
HK$77,818
+HK$4,463/mo
Deposit HK$6.49M · loan HK$15.14M · min. income ≈ HK$146,710/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$912,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,791
−HK$4,149/mo
▼ 0.25% · 3.875%
HK$78,851
−HK$2,089/mo
Today · 4.125%
HK$80,940
baseline
▲ 0.50% · 4.625%
HK$85,206
+HK$4,266/mo
Deposit HK$6.49M · loan HK$15.14M · min. income ≈ HK$161,880/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$912,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,748
−HK$5,566/mo
▼ 0.25% · 3.875%
HK$91,509
−HK$2,805/mo
Today · 4.125%
HK$94,314
baseline
▲ 0.50% · 4.625%
HK$100,052
+HK$5,738/mo
Deposit HK$2.16M · loan HK$19.46M · min. income ≈ HK$188,628/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$912,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,732
−HK$5,334/mo
▼ 0.25% · 3.875%
HK$101,379
−HK$2,687/mo
Today · 4.125%
HK$104,066
baseline
▲ 0.50% · 4.625%
HK$109,551
+HK$5,485/mo
Deposit HK$2.16M · loan HK$19.46M · min. income ≈ HK$208,132/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$912,239 · Scale 2, in force from 26 Feb 2026)