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$49,049
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$50,574
−HK$1,551/mo
Today · 4.125%
HK$52,125
baseline
▲ 0.50% · 4.625%
HK$55,296
+HK$3,171/mo
Deposit HK$10.76M · loan HK$10.76M · min. income ≈ HK$104,250/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$901,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,566
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$56,030
−HK$1,484/mo
Today · 4.125%
HK$57,514
baseline
▲ 0.50% · 4.625%
HK$60,546
+HK$3,032/mo
Deposit HK$10.76M · loan HK$10.76M · min. income ≈ HK$115,028/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$901,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,859
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$60,689
−HK$1,861/mo
Today · 4.125%
HK$62,550
baseline
▲ 0.50% · 4.625%
HK$66,355
+HK$3,805/mo
Deposit HK$8.60M · loan HK$12.91M · min. income ≈ HK$125,100/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$901,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,480
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$67,236
−HK$1,781/mo
Today · 4.125%
HK$69,017
baseline
▲ 0.50% · 4.625%
HK$72,655
+HK$3,638/mo
Deposit HK$8.60M · loan HK$12.91M · min. income ≈ HK$138,034/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$901,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,668
−HK$4,306/mo
▼ 0.25% · 3.875%
HK$70,804
−HK$2,170/mo
Today · 4.125%
HK$72,974
baseline
▲ 0.50% · 4.625%
HK$77,415
+HK$4,441/mo
Deposit HK$6.45M · loan HK$15.06M · min. income ≈ HK$145,948/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$901,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,393
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$78,442
−HK$2,078/mo
Today · 4.125%
HK$80,520
baseline
▲ 0.50% · 4.625%
HK$84,764
+HK$4,244/mo
Deposit HK$6.45M · loan HK$15.06M · min. income ≈ HK$161,040/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$901,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,288
−HK$5,536/mo
▼ 0.25% · 3.875%
HK$91,034
−HK$2,790/mo
Today · 4.125%
HK$93,824
baseline
▲ 0.50% · 4.625%
HK$99,533
+HK$5,709/mo
Deposit HK$2.15M · loan HK$19.36M · min. income ≈ HK$187,648/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$901,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,219
−HK$5,307/mo
▼ 0.25% · 3.875%
HK$100,854
−HK$2,672/mo
Today · 4.125%
HK$103,526
baseline
▲ 0.50% · 4.625%
HK$108,983
+HK$5,457/mo
Deposit HK$2.15M · loan HK$19.36M · min. income ≈ HK$207,052/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$901,022 · Scale 2, in force from 26 Feb 2026)