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$49,245
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$50,776
−HK$1,557/mo
Today · 4.125%
HK$52,333
baseline
▲ 0.50% · 4.625%
HK$55,517
+HK$3,184/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$104,666/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$909,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,784
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$56,253
−HK$1,491/mo
Today · 4.125%
HK$57,744
baseline
▲ 0.50% · 4.625%
HK$60,788
+HK$3,044/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$115,488/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$909,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,093
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$60,932
−HK$1,867/mo
Today · 4.125%
HK$62,799
baseline
▲ 0.50% · 4.625%
HK$66,620
+HK$3,821/mo
Deposit HK$8.64M · loan HK$12.96M · min. income ≈ HK$125,598/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$909,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,741
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$67,504
−HK$1,789/mo
Today · 4.125%
HK$69,293
baseline
▲ 0.50% · 4.625%
HK$72,945
+HK$3,652/mo
Deposit HK$8.64M · loan HK$12.96M · min. income ≈ HK$138,586/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$909,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,942
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$71,087
−HK$2,179/mo
Today · 4.125%
HK$73,266
baseline
▲ 0.50% · 4.625%
HK$77,724
+HK$4,458/mo
Deposit HK$6.48M · loan HK$15.12M · min. income ≈ HK$146,532/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$909,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,698
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$78,755
−HK$2,086/mo
Today · 4.125%
HK$80,841
baseline
▲ 0.50% · 4.625%
HK$85,103
+HK$4,262/mo
Deposit HK$6.48M · loan HK$15.12M · min. income ≈ HK$161,682/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$909,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,640
−HK$5,559/mo
▼ 0.25% · 3.875%
HK$91,397
−HK$2,802/mo
Today · 4.125%
HK$94,199
baseline
▲ 0.50% · 4.625%
HK$99,930
+HK$5,731/mo
Deposit HK$2.16M · loan HK$19.44M · min. income ≈ HK$188,398/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$909,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,611
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$101,256
−HK$2,683/mo
Today · 4.125%
HK$103,939
baseline
▲ 0.50% · 4.625%
HK$109,418
+HK$5,479/mo
Deposit HK$2.16M · loan HK$19.44M · min. income ≈ HK$207,878/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$909,606 · Scale 2, in force from 26 Feb 2026)