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$49,243
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$50,774
−HK$1,557/mo
Today · 4.125%
HK$52,331
baseline
▲ 0.50% · 4.625%
HK$55,515
+HK$3,184/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$104,662/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$909,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,782
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$56,251
−HK$1,491/mo
Today · 4.125%
HK$57,742
baseline
▲ 0.50% · 4.625%
HK$60,785
+HK$3,043/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$115,484/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$909,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,091
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$60,929
−HK$1,868/mo
Today · 4.125%
HK$62,797
baseline
▲ 0.50% · 4.625%
HK$66,618
+HK$3,821/mo
Deposit HK$8.64M · loan HK$12.96M · min. income ≈ HK$125,594/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$909,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,738
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$67,501
−HK$1,789/mo
Today · 4.125%
HK$69,290
baseline
▲ 0.50% · 4.625%
HK$72,942
+HK$3,652/mo
Deposit HK$8.64M · loan HK$12.96M · min. income ≈ HK$138,580/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$909,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,940
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$71,084
−HK$2,179/mo
Today · 4.125%
HK$73,263
baseline
▲ 0.50% · 4.625%
HK$77,721
+HK$4,458/mo
Deposit HK$6.48M · loan HK$15.12M · min. income ≈ HK$146,526/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$909,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,695
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$78,752
−HK$2,086/mo
Today · 4.125%
HK$80,838
baseline
▲ 0.50% · 4.625%
HK$85,099
+HK$4,261/mo
Deposit HK$6.48M · loan HK$15.12M · min. income ≈ HK$161,676/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$909,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,637
−HK$5,558/mo
▼ 0.25% · 3.875%
HK$91,394
−HK$2,801/mo
Today · 4.125%
HK$94,195
baseline
▲ 0.50% · 4.625%
HK$99,927
+HK$5,732/mo
Deposit HK$2.16M · loan HK$19.44M · min. income ≈ HK$188,390/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$909,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,608
−HK$5,327/mo
▼ 0.25% · 3.875%
HK$101,252
−HK$2,683/mo
Today · 4.125%
HK$103,935
baseline
▲ 0.50% · 4.625%
HK$109,414
+HK$5,479/mo
Deposit HK$2.16M · loan HK$19.44M · min. income ≈ HK$207,870/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$909,523 · Scale 2, in force from 26 Feb 2026)