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$49,274
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$50,807
−HK$1,557/mo
Today · 4.125%
HK$52,364
baseline
▲ 0.50% · 4.625%
HK$55,550
+HK$3,186/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$104,728/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$910,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,817
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$56,287
−HK$1,492/mo
Today · 4.125%
HK$57,779
baseline
▲ 0.50% · 4.625%
HK$60,824
+HK$3,045/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$115,558/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$910,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,129
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$60,968
−HK$1,869/mo
Today · 4.125%
HK$62,837
baseline
▲ 0.50% · 4.625%
HK$66,660
+HK$3,823/mo
Deposit HK$8.64M · loan HK$12.97M · min. income ≈ HK$125,674/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$910,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,780
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$67,545
−HK$1,789/mo
Today · 4.125%
HK$69,334
baseline
▲ 0.50% · 4.625%
HK$72,989
+HK$3,655/mo
Deposit HK$8.64M · loan HK$12.97M · min. income ≈ HK$138,668/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$910,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,984
−HK$4,326/mo
▼ 0.25% · 3.875%
HK$71,130
−HK$2,180/mo
Today · 4.125%
HK$73,310
baseline
▲ 0.50% · 4.625%
HK$77,770
+HK$4,460/mo
Deposit HK$6.48M · loan HK$15.13M · min. income ≈ HK$146,620/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$910,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,744
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$78,802
−HK$2,088/mo
Today · 4.125%
HK$80,890
baseline
▲ 0.50% · 4.625%
HK$85,154
+HK$4,264/mo
Deposit HK$6.48M · loan HK$15.13M · min. income ≈ HK$161,780/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$910,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,693
−HK$5,562/mo
▼ 0.25% · 3.875%
HK$91,452
−HK$2,803/mo
Today · 4.125%
HK$94,255
baseline
▲ 0.50% · 4.625%
HK$99,991
+HK$5,736/mo
Deposit HK$2.16M · loan HK$19.45M · min. income ≈ HK$188,510/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$910,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,671
−HK$5,330/mo
▼ 0.25% · 3.875%
HK$101,317
−HK$2,684/mo
Today · 4.125%
HK$104,001
baseline
▲ 0.50% · 4.625%
HK$109,483
+HK$5,482/mo
Deposit HK$2.16M · loan HK$19.45M · min. income ≈ HK$208,002/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$910,903 · Scale 2, in force from 26 Feb 2026)