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$49,439
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$50,977
−HK$1,563/mo
Today · 4.125%
HK$52,540
baseline
▲ 0.50% · 4.625%
HK$55,737
+HK$3,197/mo
Deposit HK$10.84M · loan HK$10.84M · min. income ≈ HK$105,080/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$918,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,001
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$56,476
−HK$1,496/mo
Today · 4.125%
HK$57,972
baseline
▲ 0.50% · 4.625%
HK$61,028
+HK$3,056/mo
Deposit HK$10.84M · loan HK$10.84M · min. income ≈ HK$115,944/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$918,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,327
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$61,173
−HK$1,875/mo
Today · 4.125%
HK$63,048
baseline
▲ 0.50% · 4.625%
HK$66,884
+HK$3,836/mo
Deposit HK$8.67M · loan HK$13.01M · min. income ≈ HK$126,096/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$918,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,001
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$67,771
−HK$1,796/mo
Today · 4.125%
HK$69,567
baseline
▲ 0.50% · 4.625%
HK$73,234
+HK$3,667/mo
Deposit HK$8.67M · loan HK$13.01M · min. income ≈ HK$139,134/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$918,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,215
−HK$4,341/mo
▼ 0.25% · 3.875%
HK$71,368
−HK$2,188/mo
Today · 4.125%
HK$73,556
baseline
▲ 0.50% · 4.625%
HK$78,031
+HK$4,475/mo
Deposit HK$6.50M · loan HK$15.18M · min. income ≈ HK$147,112/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$918,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,001
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$79,066
−HK$2,095/mo
Today · 4.125%
HK$81,161
baseline
▲ 0.50% · 4.625%
HK$85,439
+HK$4,278/mo
Deposit HK$6.50M · loan HK$15.18M · min. income ≈ HK$162,322/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$918,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,991
−HK$5,580/mo
▼ 0.25% · 3.875%
HK$91,759
−HK$2,812/mo
Today · 4.125%
HK$94,571
baseline
▲ 0.50% · 4.625%
HK$100,326
+HK$5,755/mo
Deposit HK$2.17M · loan HK$19.51M · min. income ≈ HK$189,142/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$918,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,002
−HK$5,348/mo
▼ 0.25% · 3.875%
HK$101,657
−HK$2,693/mo
Today · 4.125%
HK$104,350
baseline
▲ 0.50% · 4.625%
HK$109,851
+HK$5,501/mo
Deposit HK$2.17M · loan HK$19.51M · min. income ≈ HK$208,700/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$918,153 · Scale 2, in force from 26 Feb 2026)