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$49,176
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$50,705
−HK$1,555/mo
Today · 4.125%
HK$52,260
baseline
▲ 0.50% · 4.625%
HK$55,439
+HK$3,179/mo
Deposit HK$10.78M · loan HK$10.78M · min. income ≈ HK$104,520/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$906,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,708
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$56,175
−HK$1,488/mo
Today · 4.125%
HK$57,663
baseline
▲ 0.50% · 4.625%
HK$60,703
+HK$3,040/mo
Deposit HK$10.78M · loan HK$10.78M · min. income ≈ HK$115,326/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$906,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,011
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$60,847
−HK$1,865/mo
Today · 4.125%
HK$62,712
baseline
▲ 0.50% · 4.625%
HK$66,527
+HK$3,815/mo
Deposit HK$8.63M · loan HK$12.94M · min. income ≈ HK$125,424/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$906,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,649
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$67,410
−HK$1,786/mo
Today · 4.125%
HK$69,196
baseline
▲ 0.50% · 4.625%
HK$72,843
+HK$3,647/mo
Deposit HK$8.63M · loan HK$12.94M · min. income ≈ HK$138,392/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$906,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,846
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$70,988
−HK$2,175/mo
Today · 4.125%
HK$73,163
baseline
▲ 0.50% · 4.625%
HK$77,615
+HK$4,452/mo
Deposit HK$6.47M · loan HK$15.10M · min. income ≈ HK$146,326/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$906,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,591
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$78,645
−HK$2,084/mo
Today · 4.125%
HK$80,729
baseline
▲ 0.50% · 4.625%
HK$84,984
+HK$4,255/mo
Deposit HK$6.47M · loan HK$15.10M · min. income ≈ HK$161,458/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$906,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,517
−HK$5,550/mo
▼ 0.25% · 3.875%
HK$91,270
−HK$2,797/mo
Today · 4.125%
HK$94,067
baseline
▲ 0.50% · 4.625%
HK$99,791
+HK$5,724/mo
Deposit HK$2.16M · loan HK$19.41M · min. income ≈ HK$188,134/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$906,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,474
−HK$5,320/mo
▼ 0.25% · 3.875%
HK$101,115
−HK$2,679/mo
Today · 4.125%
HK$103,794
baseline
▲ 0.50% · 4.625%
HK$109,265
+HK$5,471/mo
Deposit HK$2.16M · loan HK$19.41M · min. income ≈ HK$207,588/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$906,593 · Scale 2, in force from 26 Feb 2026)