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$49,127
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$50,655
−HK$1,553/mo
Today · 4.125%
HK$52,208
baseline
▲ 0.50% · 4.625%
HK$55,384
+HK$3,176/mo
Deposit HK$10.77M · loan HK$10.77M · min. income ≈ HK$104,416/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$904,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,653
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$56,119
−HK$1,487/mo
Today · 4.125%
HK$57,606
baseline
▲ 0.50% · 4.625%
HK$60,643
+HK$3,037/mo
Deposit HK$10.77M · loan HK$10.77M · min. income ≈ HK$115,212/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$904,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,952
−HK$3,697/mo
▼ 0.25% · 3.875%
HK$60,786
−HK$1,863/mo
Today · 4.125%
HK$62,649
baseline
▲ 0.50% · 4.625%
HK$66,461
+HK$3,812/mo
Deposit HK$8.62M · loan HK$12.93M · min. income ≈ HK$125,298/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$904,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,584
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$67,343
−HK$1,784/mo
Today · 4.125%
HK$69,127
baseline
▲ 0.50% · 4.625%
HK$72,771
+HK$3,644/mo
Deposit HK$8.62M · loan HK$12.93M · min. income ≈ HK$138,254/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$904,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,778
−HK$4,313/mo
▼ 0.25% · 3.875%
HK$70,917
−HK$2,174/mo
Today · 4.125%
HK$73,091
baseline
▲ 0.50% · 4.625%
HK$77,538
+HK$4,447/mo
Deposit HK$6.46M · loan HK$15.08M · min. income ≈ HK$146,182/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$904,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,515
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$78,567
−HK$2,081/mo
Today · 4.125%
HK$80,648
baseline
▲ 0.50% · 4.625%
HK$84,900
+HK$4,252/mo
Deposit HK$6.46M · loan HK$15.08M · min. income ≈ HK$161,296/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$904,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,429
−HK$5,545/mo
▼ 0.25% · 3.875%
HK$91,179
−HK$2,795/mo
Today · 4.125%
HK$93,974
baseline
▲ 0.50% · 4.625%
HK$99,692
+HK$5,718/mo
Deposit HK$2.15M · loan HK$19.39M · min. income ≈ HK$187,948/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$904,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,376
−HK$5,315/mo
▼ 0.25% · 3.875%
HK$101,014
−HK$2,677/mo
Today · 4.125%
HK$103,691
baseline
▲ 0.50% · 4.625%
HK$109,157
+HK$5,466/mo
Deposit HK$2.15M · loan HK$19.39M · min. income ≈ HK$207,382/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$904,452 · Scale 2, in force from 26 Feb 2026)