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$49,161
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$50,690
−HK$1,554/mo
Today · 4.125%
HK$52,244
baseline
▲ 0.50% · 4.625%
HK$55,423
+HK$3,179/mo
Deposit HK$10.78M · loan HK$10.78M · min. income ≈ HK$104,488/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$905,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,691
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$56,158
−HK$1,488/mo
Today · 4.125%
HK$57,646
baseline
▲ 0.50% · 4.625%
HK$60,684
+HK$3,038/mo
Deposit HK$10.78M · loan HK$10.78M · min. income ≈ HK$115,292/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$905,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,993
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$60,828
−HK$1,864/mo
Today · 4.125%
HK$62,692
baseline
▲ 0.50% · 4.625%
HK$66,507
+HK$3,815/mo
Deposit HK$8.62M · loan HK$12.94M · min. income ≈ HK$125,384/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$905,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,629
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$67,389
−HK$1,786/mo
Today · 4.125%
HK$69,175
baseline
▲ 0.50% · 4.625%
HK$72,821
+HK$3,646/mo
Deposit HK$8.62M · loan HK$12.94M · min. income ≈ HK$138,350/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$905,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,825
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$70,966
−HK$2,175/mo
Today · 4.125%
HK$73,141
baseline
▲ 0.50% · 4.625%
HK$77,592
+HK$4,451/mo
Deposit HK$6.47M · loan HK$15.09M · min. income ≈ HK$146,282/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$905,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,567
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$78,621
−HK$2,083/mo
Today · 4.125%
HK$80,704
baseline
▲ 0.50% · 4.625%
HK$84,958
+HK$4,254/mo
Deposit HK$6.47M · loan HK$15.09M · min. income ≈ HK$161,408/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$905,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,490
−HK$5,549/mo
▼ 0.25% · 3.875%
HK$91,242
−HK$2,797/mo
Today · 4.125%
HK$94,039
baseline
▲ 0.50% · 4.625%
HK$99,761
+HK$5,722/mo
Deposit HK$2.16M · loan HK$19.40M · min. income ≈ HK$188,078/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$905,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,444
−HK$5,318/mo
▼ 0.25% · 3.875%
HK$101,084
−HK$2,678/mo
Today · 4.125%
HK$103,762
baseline
▲ 0.50% · 4.625%
HK$109,232
+HK$5,470/mo
Deposit HK$2.16M · loan HK$19.40M · min. income ≈ HK$207,524/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$905,938 · Scale 2, in force from 26 Feb 2026)