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$49,253
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$50,785
−HK$1,557/mo
Today · 4.125%
HK$52,342
baseline
▲ 0.50% · 4.625%
HK$55,527
+HK$3,185/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$104,684/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$909,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,794
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$56,263
−HK$1,491/mo
Today · 4.125%
HK$57,754
baseline
▲ 0.50% · 4.625%
HK$60,798
+HK$3,044/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$115,508/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$909,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,104
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$60,942
−HK$1,868/mo
Today · 4.125%
HK$62,810
baseline
▲ 0.50% · 4.625%
HK$66,632
+HK$3,822/mo
Deposit HK$8.64M · loan HK$12.96M · min. income ≈ HK$125,620/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$909,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,752
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$67,516
−HK$1,789/mo
Today · 4.125%
HK$69,305
baseline
▲ 0.50% · 4.625%
HK$72,958
+HK$3,653/mo
Deposit HK$8.64M · loan HK$12.96M · min. income ≈ HK$138,610/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$909,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,954
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$71,099
−HK$2,179/mo
Today · 4.125%
HK$73,278
baseline
▲ 0.50% · 4.625%
HK$77,737
+HK$4,459/mo
Deposit HK$6.48M · loan HK$15.12M · min. income ≈ HK$146,556/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$909,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,711
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$78,768
−HK$2,087/mo
Today · 4.125%
HK$80,855
baseline
▲ 0.50% · 4.625%
HK$85,117
+HK$4,262/mo
Deposit HK$6.48M · loan HK$15.12M · min. income ≈ HK$161,710/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$909,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,656
−HK$5,559/mo
▼ 0.25% · 3.875%
HK$91,413
−HK$2,802/mo
Today · 4.125%
HK$94,215
baseline
▲ 0.50% · 4.625%
HK$99,948
+HK$5,733/mo
Deposit HK$2.16M · loan HK$19.44M · min. income ≈ HK$188,430/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$909,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,628
−HK$5,329/mo
▼ 0.25% · 3.875%
HK$101,274
−HK$2,683/mo
Today · 4.125%
HK$103,957
baseline
▲ 0.50% · 4.625%
HK$109,437
+HK$5,480/mo
Deposit HK$2.16M · loan HK$19.44M · min. income ≈ HK$207,914/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$909,981 · Scale 2, in force from 26 Feb 2026)