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$49,121
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$50,649
−HK$1,552/mo
Today · 4.125%
HK$52,201
baseline
▲ 0.50% · 4.625%
HK$55,378
+HK$3,177/mo
Deposit HK$10.77M · loan HK$10.77M · min. income ≈ HK$104,402/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$904,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,647
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$56,112
−HK$1,487/mo
Today · 4.125%
HK$57,599
baseline
▲ 0.50% · 4.625%
HK$60,635
+HK$3,036/mo
Deposit HK$10.77M · loan HK$10.77M · min. income ≈ HK$115,198/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$904,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,945
−HK$3,697/mo
▼ 0.25% · 3.875%
HK$60,779
−HK$1,863/mo
Today · 4.125%
HK$62,642
baseline
▲ 0.50% · 4.625%
HK$66,453
+HK$3,811/mo
Deposit HK$8.62M · loan HK$12.93M · min. income ≈ HK$125,284/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$904,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,576
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$67,335
−HK$1,784/mo
Today · 4.125%
HK$69,119
baseline
▲ 0.50% · 4.625%
HK$72,762
+HK$3,643/mo
Deposit HK$8.62M · loan HK$12.93M · min. income ≈ HK$138,238/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$904,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,770
−HK$4,312/mo
▼ 0.25% · 3.875%
HK$70,909
−HK$2,173/mo
Today · 4.125%
HK$73,082
baseline
▲ 0.50% · 4.625%
HK$77,529
+HK$4,447/mo
Deposit HK$6.46M · loan HK$15.08M · min. income ≈ HK$146,164/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$904,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,505
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$78,557
−HK$2,082/mo
Today · 4.125%
HK$80,639
baseline
▲ 0.50% · 4.625%
HK$84,889
+HK$4,250/mo
Deposit HK$6.46M · loan HK$15.08M · min. income ≈ HK$161,278/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$904,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,418
−HK$5,545/mo
▼ 0.25% · 3.875%
HK$91,168
−HK$2,795/mo
Today · 4.125%
HK$93,963
baseline
▲ 0.50% · 4.625%
HK$99,680
+HK$5,717/mo
Deposit HK$2.15M · loan HK$19.39M · min. income ≈ HK$187,926/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$904,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,364
−HK$5,314/mo
▼ 0.25% · 3.875%
HK$101,002
−HK$2,676/mo
Today · 4.125%
HK$103,678
baseline
▲ 0.50% · 4.625%
HK$109,144
+HK$5,466/mo
Deposit HK$2.15M · loan HK$19.39M · min. income ≈ HK$207,356/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$904,194 · Scale 2, in force from 26 Feb 2026)