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$49,407
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$50,944
−HK$1,562/mo
Today · 4.125%
HK$52,506
baseline
▲ 0.50% · 4.625%
HK$55,701
+HK$3,195/mo
Deposit HK$10.83M · loan HK$10.83M · min. income ≈ HK$105,012/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$916,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,965
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$56,439
−HK$1,496/mo
Today · 4.125%
HK$57,935
baseline
▲ 0.50% · 4.625%
HK$60,989
+HK$3,054/mo
Deposit HK$10.83M · loan HK$10.83M · min. income ≈ HK$115,870/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$916,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,289
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$61,133
−HK$1,874/mo
Today · 4.125%
HK$63,007
baseline
▲ 0.50% · 4.625%
HK$66,841
+HK$3,834/mo
Deposit HK$8.67M · loan HK$13.00M · min. income ≈ HK$126,014/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$916,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,958
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$67,727
−HK$1,795/mo
Today · 4.125%
HK$69,522
baseline
▲ 0.50% · 4.625%
HK$73,186
+HK$3,664/mo
Deposit HK$8.67M · loan HK$13.00M · min. income ≈ HK$139,044/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$916,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,170
−HK$4,338/mo
▼ 0.25% · 3.875%
HK$71,322
−HK$2,186/mo
Today · 4.125%
HK$73,508
baseline
▲ 0.50% · 4.625%
HK$77,981
+HK$4,473/mo
Deposit HK$6.50M · loan HK$15.17M · min. income ≈ HK$147,016/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$916,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,951
−HK$4,158/mo
▼ 0.25% · 3.875%
HK$79,015
−HK$2,094/mo
Today · 4.125%
HK$81,109
baseline
▲ 0.50% · 4.625%
HK$85,384
+HK$4,275/mo
Deposit HK$6.50M · loan HK$15.17M · min. income ≈ HK$162,218/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$916,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,933
−HK$5,577/mo
▼ 0.25% · 3.875%
HK$91,700
−HK$2,810/mo
Today · 4.125%
HK$94,510
baseline
▲ 0.50% · 4.625%
HK$100,261
+HK$5,751/mo
Deposit HK$2.17M · loan HK$19.50M · min. income ≈ HK$189,020/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$916,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,937
−HK$5,346/mo
▼ 0.25% · 3.875%
HK$101,591
−HK$2,692/mo
Today · 4.125%
HK$104,283
baseline
▲ 0.50% · 4.625%
HK$109,780
+HK$5,497/mo
Deposit HK$2.17M · loan HK$19.50M · min. income ≈ HK$208,566/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$916,749 · Scale 2, in force from 26 Feb 2026)