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$49,279
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$50,812
−HK$1,558/mo
Today · 4.125%
HK$52,370
baseline
▲ 0.50% · 4.625%
HK$55,556
+HK$3,186/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$104,740/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$911,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,823
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$56,293
−HK$1,492/mo
Today · 4.125%
HK$57,785
baseline
▲ 0.50% · 4.625%
HK$60,830
+HK$3,045/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$115,570/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$911,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,135
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$60,975
−HK$1,868/mo
Today · 4.125%
HK$62,843
baseline
▲ 0.50% · 4.625%
HK$66,667
+HK$3,824/mo
Deposit HK$8.64M · loan HK$12.97M · min. income ≈ HK$125,686/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$911,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,787
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$67,552
−HK$1,789/mo
Today · 4.125%
HK$69,341
baseline
▲ 0.50% · 4.625%
HK$72,997
+HK$3,656/mo
Deposit HK$8.64M · loan HK$12.97M · min. income ≈ HK$138,682/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$911,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,991
−HK$4,326/mo
▼ 0.25% · 3.875%
HK$71,137
−HK$2,180/mo
Today · 4.125%
HK$73,317
baseline
▲ 0.50% · 4.625%
HK$77,778
+HK$4,461/mo
Deposit HK$6.48M · loan HK$15.13M · min. income ≈ HK$146,634/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$911,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,752
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$78,810
−HK$2,088/mo
Today · 4.125%
HK$80,898
baseline
▲ 0.50% · 4.625%
HK$85,163
+HK$4,265/mo
Deposit HK$6.48M · loan HK$15.13M · min. income ≈ HK$161,796/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$911,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,703
−HK$5,562/mo
▼ 0.25% · 3.875%
HK$91,462
−HK$2,803/mo
Today · 4.125%
HK$94,265
baseline
▲ 0.50% · 4.625%
HK$100,001
+HK$5,736/mo
Deposit HK$2.16M · loan HK$19.45M · min. income ≈ HK$188,530/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$911,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,681
−HK$5,331/mo
▼ 0.25% · 3.875%
HK$101,327
−HK$2,685/mo
Today · 4.125%
HK$104,012
baseline
▲ 0.50% · 4.625%
HK$109,495
+HK$5,483/mo
Deposit HK$2.16M · loan HK$19.45M · min. income ≈ HK$208,024/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$911,128 · Scale 2, in force from 26 Feb 2026)