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$49,389
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$50,925
−HK$1,561/mo
Today · 4.125%
HK$52,486
baseline
▲ 0.50% · 4.625%
HK$55,679
+HK$3,193/mo
Deposit HK$10.83M · loan HK$10.83M · min. income ≈ HK$104,972/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$915,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,944
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$56,418
−HK$1,495/mo
Today · 4.125%
HK$57,913
baseline
▲ 0.50% · 4.625%
HK$60,966
+HK$3,053/mo
Deposit HK$10.83M · loan HK$10.83M · min. income ≈ HK$115,826/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$915,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,266
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$61,110
−HK$1,873/mo
Today · 4.125%
HK$62,983
baseline
▲ 0.50% · 4.625%
HK$66,815
+HK$3,832/mo
Deposit HK$8.66M · loan HK$13.00M · min. income ≈ HK$125,966/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$915,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,933
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$67,702
−HK$1,794/mo
Today · 4.125%
HK$69,496
baseline
▲ 0.50% · 4.625%
HK$73,159
+HK$3,663/mo
Deposit HK$8.66M · loan HK$13.00M · min. income ≈ HK$138,992/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$915,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,144
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$71,295
−HK$2,185/mo
Today · 4.125%
HK$73,480
baseline
▲ 0.50% · 4.625%
HK$77,951
+HK$4,471/mo
Deposit HK$6.50M · loan HK$15.16M · min. income ≈ HK$146,960/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$915,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,922
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$78,985
−HK$2,093/mo
Today · 4.125%
HK$81,078
baseline
▲ 0.50% · 4.625%
HK$85,352
+HK$4,274/mo
Deposit HK$6.50M · loan HK$15.16M · min. income ≈ HK$162,156/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$915,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,900
−HK$5,574/mo
▼ 0.25% · 3.875%
HK$91,665
−HK$2,809/mo
Today · 4.125%
HK$94,474
baseline
▲ 0.50% · 4.625%
HK$100,223
+HK$5,749/mo
Deposit HK$2.17M · loan HK$19.49M · min. income ≈ HK$188,948/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$915,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,900
−HK$5,343/mo
▼ 0.25% · 3.875%
HK$101,552
−HK$2,691/mo
Today · 4.125%
HK$104,243
baseline
▲ 0.50% · 4.625%
HK$109,738
+HK$5,495/mo
Deposit HK$2.17M · loan HK$19.49M · min. income ≈ HK$208,486/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$915,929 · Scale 2, in force from 26 Feb 2026)