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$49,249
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$50,781
−HK$1,556/mo
Today · 4.125%
HK$52,337
baseline
▲ 0.50% · 4.625%
HK$55,522
+HK$3,185/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$104,674/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$909,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,789
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$56,258
−HK$1,491/mo
Today · 4.125%
HK$57,749
baseline
▲ 0.50% · 4.625%
HK$60,793
+HK$3,044/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$115,498/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$909,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,099
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$60,937
−HK$1,868/mo
Today · 4.125%
HK$62,805
baseline
▲ 0.50% · 4.625%
HK$66,626
+HK$3,821/mo
Deposit HK$8.64M · loan HK$12.96M · min. income ≈ HK$125,610/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$909,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,747
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$67,510
−HK$1,789/mo
Today · 4.125%
HK$69,299
baseline
▲ 0.50% · 4.625%
HK$72,952
+HK$3,653/mo
Deposit HK$8.64M · loan HK$12.96M · min. income ≈ HK$138,598/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$909,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,949
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$71,093
−HK$2,179/mo
Today · 4.125%
HK$73,272
baseline
▲ 0.50% · 4.625%
HK$77,731
+HK$4,459/mo
Deposit HK$6.48M · loan HK$15.12M · min. income ≈ HK$146,544/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$909,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,705
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$78,762
−HK$2,087/mo
Today · 4.125%
HK$80,849
baseline
▲ 0.50% · 4.625%
HK$85,110
+HK$4,261/mo
Deposit HK$6.48M · loan HK$15.12M · min. income ≈ HK$161,698/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$909,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,648
−HK$5,559/mo
▼ 0.25% · 3.875%
HK$91,406
−HK$2,801/mo
Today · 4.125%
HK$94,207
baseline
▲ 0.50% · 4.625%
HK$99,939
+HK$5,732/mo
Deposit HK$2.16M · loan HK$19.44M · min. income ≈ HK$188,414/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$909,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,620
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$101,265
−HK$2,683/mo
Today · 4.125%
HK$103,948
baseline
▲ 0.50% · 4.625%
HK$109,428
+HK$5,480/mo
Deposit HK$2.16M · loan HK$19.44M · min. income ≈ HK$207,896/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$909,801 · Scale 2, in force from 26 Feb 2026)