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$49,175
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$50,705
−HK$1,554/mo
Today · 4.125%
HK$52,259
baseline
▲ 0.50% · 4.625%
HK$55,439
+HK$3,180/mo
Deposit HK$10.78M · loan HK$10.78M · min. income ≈ HK$104,518/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$906,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,707
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$56,174
−HK$1,488/mo
Today · 4.125%
HK$57,662
baseline
▲ 0.50% · 4.625%
HK$60,702
+HK$3,040/mo
Deposit HK$10.78M · loan HK$10.78M · min. income ≈ HK$115,324/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$906,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,010
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$60,846
−HK$1,865/mo
Today · 4.125%
HK$62,711
baseline
▲ 0.50% · 4.625%
HK$66,526
+HK$3,815/mo
Deposit HK$8.63M · loan HK$12.94M · min. income ≈ HK$125,422/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$906,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,648
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$67,409
−HK$1,786/mo
Today · 4.125%
HK$69,195
baseline
▲ 0.50% · 4.625%
HK$72,842
+HK$3,647/mo
Deposit HK$8.63M · loan HK$12.94M · min. income ≈ HK$138,390/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$906,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,845
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$70,987
−HK$2,175/mo
Today · 4.125%
HK$73,162
baseline
▲ 0.50% · 4.625%
HK$77,614
+HK$4,452/mo
Deposit HK$6.47M · loan HK$15.10M · min. income ≈ HK$146,324/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$906,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,590
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$78,644
−HK$2,083/mo
Today · 4.125%
HK$80,727
baseline
▲ 0.50% · 4.625%
HK$84,983
+HK$4,256/mo
Deposit HK$6.47M · loan HK$15.10M · min. income ≈ HK$161,454/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$906,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,515
−HK$5,551/mo
▼ 0.25% · 3.875%
HK$91,268
−HK$2,798/mo
Today · 4.125%
HK$94,066
baseline
▲ 0.50% · 4.625%
HK$99,790
+HK$5,724/mo
Deposit HK$2.16M · loan HK$19.41M · min. income ≈ HK$188,132/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$906,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,472
−HK$5,320/mo
▼ 0.25% · 3.875%
HK$101,113
−HK$2,679/mo
Today · 4.125%
HK$103,792
baseline
▲ 0.50% · 4.625%
HK$109,263
+HK$5,471/mo
Deposit HK$2.16M · loan HK$19.41M · min. income ≈ HK$207,584/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$906,560 · Scale 2, in force from 26 Feb 2026)