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$49,347
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$50,882
−HK$1,560/mo
Today · 4.125%
HK$52,442
baseline
▲ 0.50% · 4.625%
HK$55,633
+HK$3,191/mo
Deposit HK$10.82M · loan HK$10.82M · min. income ≈ HK$104,884/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$914,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,898
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$56,371
−HK$1,493/mo
Today · 4.125%
HK$57,864
baseline
▲ 0.50% · 4.625%
HK$60,915
+HK$3,051/mo
Deposit HK$10.82M · loan HK$10.82M · min. income ≈ HK$115,728/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$914,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,217
−HK$3,713/mo
▼ 0.25% · 3.875%
HK$61,059
−HK$1,871/mo
Today · 4.125%
HK$62,930
baseline
▲ 0.50% · 4.625%
HK$66,759
+HK$3,829/mo
Deposit HK$8.66M · loan HK$12.98M · min. income ≈ HK$125,860/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$914,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,878
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$67,645
−HK$1,792/mo
Today · 4.125%
HK$69,437
baseline
▲ 0.50% · 4.625%
HK$73,098
+HK$3,661/mo
Deposit HK$8.66M · loan HK$12.98M · min. income ≈ HK$138,874/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$914,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,086
−HK$4,333/mo
▼ 0.25% · 3.875%
HK$71,235
−HK$2,184/mo
Today · 4.125%
HK$73,419
baseline
▲ 0.50% · 4.625%
HK$77,886
+HK$4,467/mo
Deposit HK$6.49M · loan HK$15.15M · min. income ≈ HK$146,838/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$914,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,858
−HK$4,152/mo
▼ 0.25% · 3.875%
HK$78,919
−HK$2,091/mo
Today · 4.125%
HK$81,010
baseline
▲ 0.50% · 4.625%
HK$85,280
+HK$4,270/mo
Deposit HK$6.49M · loan HK$15.15M · min. income ≈ HK$162,020/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$914,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,825
−HK$5,570/mo
▼ 0.25% · 3.875%
HK$91,588
−HK$2,807/mo
Today · 4.125%
HK$94,395
baseline
▲ 0.50% · 4.625%
HK$100,139
+HK$5,744/mo
Deposit HK$2.16M · loan HK$19.48M · min. income ≈ HK$188,790/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$914,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,817
−HK$5,339/mo
▼ 0.25% · 3.875%
HK$101,467
−HK$2,689/mo
Today · 4.125%
HK$104,156
baseline
▲ 0.50% · 4.625%
HK$109,646
+HK$5,490/mo
Deposit HK$2.16M · loan HK$19.48M · min. income ≈ HK$208,312/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$914,116 · Scale 2, in force from 26 Feb 2026)