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$49,255
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$50,787
−HK$1,557/mo
Today · 4.125%
HK$52,344
baseline
▲ 0.50% · 4.625%
HK$55,529
+HK$3,185/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$104,688/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$910,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,796
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$56,265
−HK$1,491/mo
Today · 4.125%
HK$57,756
baseline
▲ 0.50% · 4.625%
HK$60,801
+HK$3,045/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$115,512/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$910,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,106
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$60,945
−HK$1,868/mo
Today · 4.125%
HK$62,813
baseline
▲ 0.50% · 4.625%
HK$66,635
+HK$3,822/mo
Deposit HK$8.64M · loan HK$12.96M · min. income ≈ HK$125,626/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$910,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,755
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$67,519
−HK$1,789/mo
Today · 4.125%
HK$69,308
baseline
▲ 0.50% · 4.625%
HK$72,961
+HK$3,653/mo
Deposit HK$8.64M · loan HK$12.96M · min. income ≈ HK$138,616/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$910,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,957
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$71,102
−HK$2,179/mo
Today · 4.125%
HK$73,281
baseline
▲ 0.50% · 4.625%
HK$77,740
+HK$4,459/mo
Deposit HK$6.48M · loan HK$15.12M · min. income ≈ HK$146,562/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$910,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,714
−HK$4,145/mo
▼ 0.25% · 3.875%
HK$78,772
−HK$2,087/mo
Today · 4.125%
HK$80,859
baseline
▲ 0.50% · 4.625%
HK$85,121
+HK$4,262/mo
Deposit HK$6.48M · loan HK$15.12M · min. income ≈ HK$161,718/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$910,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,659
−HK$5,560/mo
▼ 0.25% · 3.875%
HK$91,417
−HK$2,802/mo
Today · 4.125%
HK$94,219
baseline
▲ 0.50% · 4.625%
HK$99,952
+HK$5,733/mo
Deposit HK$2.16M · loan HK$19.44M · min. income ≈ HK$188,438/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$910,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,633
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$101,278
−HK$2,683/mo
Today · 4.125%
HK$103,961
baseline
▲ 0.50% · 4.625%
HK$109,441
+HK$5,480/mo
Deposit HK$2.16M · loan HK$19.44M · min. income ≈ HK$207,922/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$910,072 · Scale 2, in force from 26 Feb 2026)