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$49,354
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$50,890
−HK$1,559/mo
Today · 4.125%
HK$52,449
baseline
▲ 0.50% · 4.625%
HK$55,641
+HK$3,192/mo
Deposit HK$10.82M · loan HK$10.82M · min. income ≈ HK$104,898/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$914,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,906
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$56,379
−HK$1,494/mo
Today · 4.125%
HK$57,873
baseline
▲ 0.50% · 4.625%
HK$60,923
+HK$3,050/mo
Deposit HK$10.82M · loan HK$10.82M · min. income ≈ HK$115,746/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$914,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,225
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$61,068
−HK$1,871/mo
Today · 4.125%
HK$62,939
baseline
▲ 0.50% · 4.625%
HK$66,769
+HK$3,830/mo
Deposit HK$8.66M · loan HK$12.99M · min. income ≈ HK$125,878/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$914,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,888
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$67,655
−HK$1,792/mo
Today · 4.125%
HK$69,447
baseline
▲ 0.50% · 4.625%
HK$73,108
+HK$3,661/mo
Deposit HK$8.66M · loan HK$12.99M · min. income ≈ HK$138,894/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$914,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,096
−HK$4,333/mo
▼ 0.25% · 3.875%
HK$71,245
−HK$2,184/mo
Today · 4.125%
HK$73,429
baseline
▲ 0.50% · 4.625%
HK$77,897
+HK$4,468/mo
Deposit HK$6.49M · loan HK$15.15M · min. income ≈ HK$146,858/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$914,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,869
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$78,930
−HK$2,092/mo
Today · 4.125%
HK$81,022
baseline
▲ 0.50% · 4.625%
HK$85,293
+HK$4,271/mo
Deposit HK$6.49M · loan HK$15.15M · min. income ≈ HK$162,044/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$914,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,838
−HK$5,571/mo
▼ 0.25% · 3.875%
HK$91,601
−HK$2,808/mo
Today · 4.125%
HK$94,409
baseline
▲ 0.50% · 4.625%
HK$100,153
+HK$5,744/mo
Deposit HK$2.16M · loan HK$19.48M · min. income ≈ HK$188,818/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$914,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,831
−HK$5,340/mo
▼ 0.25% · 3.875%
HK$101,482
−HK$2,689/mo
Today · 4.125%
HK$104,171
baseline
▲ 0.50% · 4.625%
HK$109,662
+HK$5,491/mo
Deposit HK$2.16M · loan HK$19.48M · min. income ≈ HK$208,342/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$914,423 · Scale 2, in force from 26 Feb 2026)