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$49,431
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$50,969
−HK$1,562/mo
Today · 4.125%
HK$52,531
baseline
▲ 0.50% · 4.625%
HK$55,727
+HK$3,196/mo
Deposit HK$10.84M · loan HK$10.84M · min. income ≈ HK$105,062/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$917,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,992
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$56,467
−HK$1,496/mo
Today · 4.125%
HK$57,963
baseline
▲ 0.50% · 4.625%
HK$61,018
+HK$3,055/mo
Deposit HK$10.84M · loan HK$10.84M · min. income ≈ HK$115,926/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$917,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,318
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$61,163
−HK$1,874/mo
Today · 4.125%
HK$63,037
baseline
▲ 0.50% · 4.625%
HK$66,873
+HK$3,836/mo
Deposit HK$8.67M · loan HK$13.01M · min. income ≈ HK$126,074/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$917,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,990
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$67,760
−HK$1,795/mo
Today · 4.125%
HK$69,555
baseline
▲ 0.50% · 4.625%
HK$73,222
+HK$3,667/mo
Deposit HK$8.67M · loan HK$13.01M · min. income ≈ HK$139,110/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$917,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,204
−HK$4,339/mo
▼ 0.25% · 3.875%
HK$71,356
−HK$2,187/mo
Today · 4.125%
HK$73,543
baseline
▲ 0.50% · 4.625%
HK$78,018
+HK$4,475/mo
Deposit HK$6.50M · loan HK$15.17M · min. income ≈ HK$147,086/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$917,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,989
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$79,053
−HK$2,095/mo
Today · 4.125%
HK$81,148
baseline
▲ 0.50% · 4.625%
HK$85,425
+HK$4,277/mo
Deposit HK$6.50M · loan HK$15.17M · min. income ≈ HK$162,296/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$917,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,976
−HK$5,580/mo
▼ 0.25% · 3.875%
HK$91,744
−HK$2,812/mo
Today · 4.125%
HK$94,556
baseline
▲ 0.50% · 4.625%
HK$100,309
+HK$5,753/mo
Deposit HK$2.17M · loan HK$19.51M · min. income ≈ HK$189,112/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$917,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,985
−HK$5,348/mo
▼ 0.25% · 3.875%
HK$101,640
−HK$2,693/mo
Today · 4.125%
HK$104,333
baseline
▲ 0.50% · 4.625%
HK$109,833
+HK$5,500/mo
Deposit HK$2.17M · loan HK$19.51M · min. income ≈ HK$208,666/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$917,795 · Scale 2, in force from 26 Feb 2026)