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$49,212
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$50,743
−HK$1,555/mo
Today · 4.125%
HK$52,298
baseline
▲ 0.50% · 4.625%
HK$55,481
+HK$3,183/mo
Deposit HK$10.79M · loan HK$10.79M · min. income ≈ HK$104,596/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$908,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,748
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$56,217
−HK$1,489/mo
Today · 4.125%
HK$57,706
baseline
▲ 0.50% · 4.625%
HK$60,748
+HK$3,042/mo
Deposit HK$10.79M · loan HK$10.79M · min. income ≈ HK$115,412/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$908,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,055
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$60,892
−HK$1,866/mo
Today · 4.125%
HK$62,758
baseline
▲ 0.50% · 4.625%
HK$66,577
+HK$3,819/mo
Deposit HK$8.63M · loan HK$12.95M · min. income ≈ HK$125,516/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$908,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,698
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$67,460
−HK$1,787/mo
Today · 4.125%
HK$69,247
baseline
▲ 0.50% · 4.625%
HK$72,898
+HK$3,651/mo
Deposit HK$8.63M · loan HK$12.95M · min. income ≈ HK$138,494/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$908,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,897
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$71,040
−HK$2,178/mo
Today · 4.125%
HK$73,218
baseline
▲ 0.50% · 4.625%
HK$77,673
+HK$4,455/mo
Deposit HK$6.47M · loan HK$15.11M · min. income ≈ HK$146,436/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$908,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,648
−HK$4,141/mo
▼ 0.25% · 3.875%
HK$78,703
−HK$2,086/mo
Today · 4.125%
HK$80,789
baseline
▲ 0.50% · 4.625%
HK$85,047
+HK$4,258/mo
Deposit HK$6.47M · loan HK$15.11M · min. income ≈ HK$161,578/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$908,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,582
−HK$5,555/mo
▼ 0.25% · 3.875%
HK$91,338
−HK$2,799/mo
Today · 4.125%
HK$94,137
baseline
▲ 0.50% · 4.625%
HK$99,865
+HK$5,728/mo
Deposit HK$2.16M · loan HK$19.42M · min. income ≈ HK$188,274/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$908,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,547
−HK$5,324/mo
▼ 0.25% · 3.875%
HK$101,190
−HK$2,681/mo
Today · 4.125%
HK$103,871
baseline
▲ 0.50% · 4.625%
HK$109,346
+HK$5,475/mo
Deposit HK$2.16M · loan HK$19.42M · min. income ≈ HK$207,742/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$908,195 · Scale 2, in force from 26 Feb 2026)