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$49,400
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$50,937
−HK$1,561/mo
Today · 4.125%
HK$52,498
baseline
▲ 0.50% · 4.625%
HK$55,692
+HK$3,194/mo
Deposit HK$10.83M · loan HK$10.83M · min. income ≈ HK$104,996/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$916,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,957
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$56,431
−HK$1,495/mo
Today · 4.125%
HK$57,926
baseline
▲ 0.50% · 4.625%
HK$60,980
+HK$3,054/mo
Deposit HK$10.83M · loan HK$10.83M · min. income ≈ HK$115,852/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$916,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,280
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$61,124
−HK$1,874/mo
Today · 4.125%
HK$62,998
baseline
▲ 0.50% · 4.625%
HK$66,831
+HK$3,833/mo
Deposit HK$8.67M · loan HK$13.00M · min. income ≈ HK$125,996/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$916,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,949
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$67,717
−HK$1,795/mo
Today · 4.125%
HK$69,512
baseline
▲ 0.50% · 4.625%
HK$73,176
+HK$3,664/mo
Deposit HK$8.67M · loan HK$13.00M · min. income ≈ HK$139,024/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$916,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,160
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$71,312
−HK$2,185/mo
Today · 4.125%
HK$73,497
baseline
▲ 0.50% · 4.625%
HK$77,969
+HK$4,472/mo
Deposit HK$6.50M · loan HK$15.17M · min. income ≈ HK$146,994/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$916,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,940
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$79,004
−HK$2,093/mo
Today · 4.125%
HK$81,097
baseline
▲ 0.50% · 4.625%
HK$85,372
+HK$4,275/mo
Deposit HK$6.50M · loan HK$15.17M · min. income ≈ HK$162,194/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$916,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,920
−HK$5,576/mo
▼ 0.25% · 3.875%
HK$91,686
−HK$2,810/mo
Today · 4.125%
HK$94,496
baseline
▲ 0.50% · 4.625%
HK$100,246
+HK$5,750/mo
Deposit HK$2.17M · loan HK$19.50M · min. income ≈ HK$188,992/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$916,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,923
−HK$5,345/mo
▼ 0.25% · 3.875%
HK$101,576
−HK$2,692/mo
Today · 4.125%
HK$104,268
baseline
▲ 0.50% · 4.625%
HK$109,764
+HK$5,496/mo
Deposit HK$2.17M · loan HK$19.50M · min. income ≈ HK$208,536/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$916,433 · Scale 2, in force from 26 Feb 2026)