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$49,079
−HK$3,078/mo
▼ 0.25% · 3.875%
HK$50,606
−HK$1,551/mo
Today · 4.125%
HK$52,157
baseline
▲ 0.50% · 4.625%
HK$55,330
+HK$3,173/mo
Deposit HK$10.76M · loan HK$10.76M · min. income ≈ HK$104,314/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$902,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,600
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$56,064
−HK$1,486/mo
Today · 4.125%
HK$57,550
baseline
▲ 0.50% · 4.625%
HK$60,583
+HK$3,033/mo
Deposit HK$10.76M · loan HK$10.76M · min. income ≈ HK$115,100/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$902,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,895
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$60,727
−HK$1,861/mo
Today · 4.125%
HK$62,588
baseline
▲ 0.50% · 4.625%
HK$66,397
+HK$3,809/mo
Deposit HK$8.61M · loan HK$12.91M · min. income ≈ HK$125,176/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$902,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,520
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$67,277
−HK$1,783/mo
Today · 4.125%
HK$69,060
baseline
▲ 0.50% · 4.625%
HK$72,700
+HK$3,640/mo
Deposit HK$8.61M · loan HK$12.91M · min. income ≈ HK$138,120/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$902,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,711
−HK$4,309/mo
▼ 0.25% · 3.875%
HK$70,848
−HK$2,172/mo
Today · 4.125%
HK$73,020
baseline
▲ 0.50% · 4.625%
HK$77,463
+HK$4,443/mo
Deposit HK$6.46M · loan HK$15.07M · min. income ≈ HK$146,040/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$902,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,440
−HK$4,130/mo
▼ 0.25% · 3.875%
HK$78,490
−HK$2,080/mo
Today · 4.125%
HK$80,570
baseline
▲ 0.50% · 4.625%
HK$84,817
+HK$4,247/mo
Deposit HK$6.46M · loan HK$15.07M · min. income ≈ HK$161,140/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$902,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,342
−HK$5,540/mo
▼ 0.25% · 3.875%
HK$91,090
−HK$2,792/mo
Today · 4.125%
HK$93,882
baseline
▲ 0.50% · 4.625%
HK$99,595
+HK$5,713/mo
Deposit HK$2.15M · loan HK$19.37M · min. income ≈ HK$187,764/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$902,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,280
−HK$5,310/mo
▼ 0.25% · 3.875%
HK$100,916
−HK$2,674/mo
Today · 4.125%
HK$103,590
baseline
▲ 0.50% · 4.625%
HK$109,050
+HK$5,460/mo
Deposit HK$2.15M · loan HK$19.37M · min. income ≈ HK$207,180/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$902,352 · Scale 2, in force from 26 Feb 2026)