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$49,271
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$50,804
−HK$1,557/mo
Today · 4.125%
HK$52,361
baseline
▲ 0.50% · 4.625%
HK$55,547
+HK$3,186/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$104,722/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$910,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,814
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$56,284
−HK$1,491/mo
Today · 4.125%
HK$57,775
baseline
▲ 0.50% · 4.625%
HK$60,820
+HK$3,045/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$115,550/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$910,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,125
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$60,964
−HK$1,869/mo
Today · 4.125%
HK$62,833
baseline
▲ 0.50% · 4.625%
HK$66,656
+HK$3,823/mo
Deposit HK$8.64M · loan HK$12.96M · min. income ≈ HK$125,666/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$910,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,776
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$67,540
−HK$1,790/mo
Today · 4.125%
HK$69,330
baseline
▲ 0.50% · 4.625%
HK$72,984
+HK$3,654/mo
Deposit HK$8.64M · loan HK$12.96M · min. income ≈ HK$138,660/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$910,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,980
−HK$4,325/mo
▼ 0.25% · 3.875%
HK$71,125
−HK$2,180/mo
Today · 4.125%
HK$73,305
baseline
▲ 0.50% · 4.625%
HK$77,766
+HK$4,461/mo
Deposit HK$6.48M · loan HK$15.13M · min. income ≈ HK$146,610/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$910,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,739
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$78,797
−HK$2,088/mo
Today · 4.125%
HK$80,885
baseline
▲ 0.50% · 4.625%
HK$85,149
+HK$4,264/mo
Deposit HK$6.48M · loan HK$15.13M · min. income ≈ HK$161,770/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$910,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,688
−HK$5,561/mo
▼ 0.25% · 3.875%
HK$91,447
−HK$2,802/mo
Today · 4.125%
HK$94,249
baseline
▲ 0.50% · 4.625%
HK$99,984
+HK$5,735/mo
Deposit HK$2.16M · loan HK$19.45M · min. income ≈ HK$188,498/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$910,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,664
−HK$5,331/mo
▼ 0.25% · 3.875%
HK$101,311
−HK$2,684/mo
Today · 4.125%
HK$103,995
baseline
▲ 0.50% · 4.625%
HK$109,477
+HK$5,482/mo
Deposit HK$2.16M · loan HK$19.45M · min. income ≈ HK$207,990/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$910,770 · Scale 2, in force from 26 Feb 2026)