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$49,303
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$50,837
−HK$1,558/mo
Today · 4.125%
HK$52,395
baseline
▲ 0.50% · 4.625%
HK$55,583
+HK$3,188/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$104,790/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$912,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,850
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$56,321
−HK$1,492/mo
Today · 4.125%
HK$57,813
baseline
▲ 0.50% · 4.625%
HK$60,860
+HK$3,047/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$115,626/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$912,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,164
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$61,005
−HK$1,869/mo
Today · 4.125%
HK$62,874
baseline
▲ 0.50% · 4.625%
HK$66,700
+HK$3,826/mo
Deposit HK$8.65M · loan HK$12.97M · min. income ≈ HK$125,748/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$912,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,820
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$67,585
−HK$1,791/mo
Today · 4.125%
HK$69,376
baseline
▲ 0.50% · 4.625%
HK$73,032
+HK$3,656/mo
Deposit HK$8.65M · loan HK$12.97M · min. income ≈ HK$138,752/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$912,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,025
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$71,172
−HK$2,181/mo
Today · 4.125%
HK$73,353
baseline
▲ 0.50% · 4.625%
HK$77,817
+HK$4,464/mo
Deposit HK$6.49M · loan HK$15.14M · min. income ≈ HK$146,706/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$912,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,789
−HK$4,149/mo
▼ 0.25% · 3.875%
HK$78,849
−HK$2,089/mo
Today · 4.125%
HK$80,938
baseline
▲ 0.50% · 4.625%
HK$85,205
+HK$4,267/mo
Deposit HK$6.49M · loan HK$15.14M · min. income ≈ HK$161,876/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$912,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,746
−HK$5,565/mo
▼ 0.25% · 3.875%
HK$91,507
−HK$2,804/mo
Today · 4.125%
HK$94,311
baseline
▲ 0.50% · 4.625%
HK$100,050
+HK$5,739/mo
Deposit HK$2.16M · loan HK$19.46M · min. income ≈ HK$188,622/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$912,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,729
−HK$5,334/mo
▼ 0.25% · 3.875%
HK$101,377
−HK$2,686/mo
Today · 4.125%
HK$104,063
baseline
▲ 0.50% · 4.625%
HK$109,549
+HK$5,486/mo
Deposit HK$2.16M · loan HK$19.46M · min. income ≈ HK$208,126/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$912,190 · Scale 2, in force from 26 Feb 2026)