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$49,165
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$50,694
−HK$1,554/mo
Today · 4.125%
HK$52,248
baseline
▲ 0.50% · 4.625%
HK$55,427
+HK$3,179/mo
Deposit HK$10.78M · loan HK$10.78M · min. income ≈ HK$104,496/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$906,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,695
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$56,162
−HK$1,488/mo
Today · 4.125%
HK$57,650
baseline
▲ 0.50% · 4.625%
HK$60,689
+HK$3,039/mo
Deposit HK$10.78M · loan HK$10.78M · min. income ≈ HK$115,300/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$906,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,997
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$60,833
−HK$1,864/mo
Today · 4.125%
HK$62,697
baseline
▲ 0.50% · 4.625%
HK$66,512
+HK$3,815/mo
Deposit HK$8.62M · loan HK$12.94M · min. income ≈ HK$125,394/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$906,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,634
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$67,394
−HK$1,786/mo
Today · 4.125%
HK$69,180
baseline
▲ 0.50% · 4.625%
HK$72,827
+HK$3,647/mo
Deposit HK$8.62M · loan HK$12.94M · min. income ≈ HK$138,360/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$906,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,830
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$70,971
−HK$2,176/mo
Today · 4.125%
HK$73,147
baseline
▲ 0.50% · 4.625%
HK$77,597
+HK$4,450/mo
Deposit HK$6.47M · loan HK$15.09M · min. income ≈ HK$146,294/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$906,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,573
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$78,627
−HK$2,083/mo
Today · 4.125%
HK$80,710
baseline
▲ 0.50% · 4.625%
HK$84,964
+HK$4,254/mo
Deposit HK$6.47M · loan HK$15.09M · min. income ≈ HK$161,420/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$906,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,496
−HK$5,550/mo
▼ 0.25% · 3.875%
HK$91,249
−HK$2,797/mo
Today · 4.125%
HK$94,046
baseline
▲ 0.50% · 4.625%
HK$99,768
+HK$5,722/mo
Deposit HK$2.16M · loan HK$19.40M · min. income ≈ HK$188,092/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$906,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,451
−HK$5,319/mo
▼ 0.25% · 3.875%
HK$101,091
−HK$2,679/mo
Today · 4.125%
HK$103,770
baseline
▲ 0.50% · 4.625%
HK$109,240
+HK$5,470/mo
Deposit HK$2.16M · loan HK$19.40M · min. income ≈ HK$207,540/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$906,097 · Scale 2, in force from 26 Feb 2026)