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$49,275
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$50,808
−HK$1,557/mo
Today · 4.125%
HK$52,365
baseline
▲ 0.50% · 4.625%
HK$55,551
+HK$3,186/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$104,730/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$910,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,818
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$56,288
−HK$1,492/mo
Today · 4.125%
HK$57,780
baseline
▲ 0.50% · 4.625%
HK$60,825
+HK$3,045/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$115,560/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$910,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,130
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$60,969
−HK$1,869/mo
Today · 4.125%
HK$62,838
baseline
▲ 0.50% · 4.625%
HK$66,662
+HK$3,824/mo
Deposit HK$8.64M · loan HK$12.97M · min. income ≈ HK$125,676/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$910,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,782
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$67,546
−HK$1,790/mo
Today · 4.125%
HK$69,336
baseline
▲ 0.50% · 4.625%
HK$72,990
+HK$3,654/mo
Deposit HK$8.64M · loan HK$12.97M · min. income ≈ HK$138,672/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$910,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,985
−HK$4,326/mo
▼ 0.25% · 3.875%
HK$71,131
−HK$2,180/mo
Today · 4.125%
HK$73,311
baseline
▲ 0.50% · 4.625%
HK$77,772
+HK$4,461/mo
Deposit HK$6.48M · loan HK$15.13M · min. income ≈ HK$146,622/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$910,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,745
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$78,803
−HK$2,089/mo
Today · 4.125%
HK$80,892
baseline
▲ 0.50% · 4.625%
HK$85,155
+HK$4,263/mo
Deposit HK$6.48M · loan HK$15.13M · min. income ≈ HK$161,784/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$910,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,695
−HK$5,562/mo
▼ 0.25% · 3.875%
HK$91,454
−HK$2,803/mo
Today · 4.125%
HK$94,257
baseline
▲ 0.50% · 4.625%
HK$99,992
+HK$5,735/mo
Deposit HK$2.16M · loan HK$19.45M · min. income ≈ HK$188,514/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$910,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,672
−HK$5,331/mo
▼ 0.25% · 3.875%
HK$101,319
−HK$2,684/mo
Today · 4.125%
HK$104,003
baseline
▲ 0.50% · 4.625%
HK$109,486
+HK$5,483/mo
Deposit HK$2.16M · loan HK$19.45M · min. income ≈ HK$208,006/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$910,944 · Scale 2, in force from 26 Feb 2026)