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$49,377
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$50,913
−HK$1,560/mo
Today · 4.125%
HK$52,473
baseline
▲ 0.50% · 4.625%
HK$55,666
+HK$3,193/mo
Deposit HK$10.83M · loan HK$10.83M · min. income ≈ HK$104,946/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$915,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,931
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$56,404
−HK$1,495/mo
Today · 4.125%
HK$57,899
baseline
▲ 0.50% · 4.625%
HK$60,951
+HK$3,052/mo
Deposit HK$10.83M · loan HK$10.83M · min. income ≈ HK$115,798/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$915,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,252
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$61,095
−HK$1,873/mo
Today · 4.125%
HK$62,968
baseline
▲ 0.50% · 4.625%
HK$66,799
+HK$3,831/mo
Deposit HK$8.66M · loan HK$12.99M · min. income ≈ HK$125,936/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$915,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,917
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$67,685
−HK$1,794/mo
Today · 4.125%
HK$69,479
baseline
▲ 0.50% · 4.625%
HK$73,141
+HK$3,662/mo
Deposit HK$8.66M · loan HK$12.99M · min. income ≈ HK$138,958/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$915,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,127
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$71,278
−HK$2,184/mo
Today · 4.125%
HK$73,462
baseline
▲ 0.50% · 4.625%
HK$77,932
+HK$4,470/mo
Deposit HK$6.50M · loan HK$15.16M · min. income ≈ HK$146,924/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$915,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,904
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$78,966
−HK$2,093/mo
Today · 4.125%
HK$81,059
baseline
▲ 0.50% · 4.625%
HK$85,331
+HK$4,272/mo
Deposit HK$6.50M · loan HK$15.16M · min. income ≈ HK$162,118/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$915,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,878
−HK$5,574/mo
▼ 0.25% · 3.875%
HK$91,643
−HK$2,809/mo
Today · 4.125%
HK$94,452
baseline
▲ 0.50% · 4.625%
HK$100,199
+HK$5,747/mo
Deposit HK$2.17M · loan HK$19.49M · min. income ≈ HK$188,904/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$915,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,876
−HK$5,342/mo
▼ 0.25% · 3.875%
HK$101,528
−HK$2,690/mo
Today · 4.125%
HK$104,218
baseline
▲ 0.50% · 4.625%
HK$109,712
+HK$5,494/mo
Deposit HK$2.17M · loan HK$19.49M · min. income ≈ HK$208,436/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$915,405 · Scale 2, in force from 26 Feb 2026)