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$49,251
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$50,783
−HK$1,556/mo
Today · 4.125%
HK$52,339
baseline
▲ 0.50% · 4.625%
HK$55,524
+HK$3,185/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$104,678/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$909,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,791
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$56,260
−HK$1,491/mo
Today · 4.125%
HK$57,751
baseline
▲ 0.50% · 4.625%
HK$60,795
+HK$3,044/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$115,502/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$909,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,101
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$60,939
−HK$1,868/mo
Today · 4.125%
HK$62,807
baseline
▲ 0.50% · 4.625%
HK$66,629
+HK$3,822/mo
Deposit HK$8.64M · loan HK$12.96M · min. income ≈ HK$125,614/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$909,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,749
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$67,513
−HK$1,788/mo
Today · 4.125%
HK$69,301
baseline
▲ 0.50% · 4.625%
HK$72,954
+HK$3,653/mo
Deposit HK$8.64M · loan HK$12.96M · min. income ≈ HK$138,602/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$909,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,951
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$71,096
−HK$2,179/mo
Today · 4.125%
HK$73,275
baseline
▲ 0.50% · 4.625%
HK$77,734
+HK$4,459/mo
Deposit HK$6.48M · loan HK$15.12M · min. income ≈ HK$146,550/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$909,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,707
−HK$4,145/mo
▼ 0.25% · 3.875%
HK$78,765
−HK$2,087/mo
Today · 4.125%
HK$80,852
baseline
▲ 0.50% · 4.625%
HK$85,113
+HK$4,261/mo
Deposit HK$6.48M · loan HK$15.12M · min. income ≈ HK$161,704/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$909,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,651
−HK$5,560/mo
▼ 0.25% · 3.875%
HK$91,409
−HK$2,802/mo
Today · 4.125%
HK$94,211
baseline
▲ 0.50% · 4.625%
HK$99,943
+HK$5,732/mo
Deposit HK$2.16M · loan HK$19.44M · min. income ≈ HK$188,422/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$909,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,624
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$101,269
−HK$2,683/mo
Today · 4.125%
HK$103,952
baseline
▲ 0.50% · 4.625%
HK$109,432
+HK$5,480/mo
Deposit HK$2.16M · loan HK$19.44M · min. income ≈ HK$207,904/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$909,880 · Scale 2, in force from 26 Feb 2026)