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$49,380
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$50,916
−HK$1,561/mo
Today · 4.125%
HK$52,477
baseline
▲ 0.50% · 4.625%
HK$55,670
+HK$3,193/mo
Deposit HK$10.83M · loan HK$10.83M · min. income ≈ HK$104,954/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$915,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,935
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$56,408
−HK$1,495/mo
Today · 4.125%
HK$57,903
baseline
▲ 0.50% · 4.625%
HK$60,955
+HK$3,052/mo
Deposit HK$10.83M · loan HK$10.83M · min. income ≈ HK$115,806/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$915,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,256
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$61,099
−HK$1,873/mo
Today · 4.125%
HK$62,972
baseline
▲ 0.50% · 4.625%
HK$66,804
+HK$3,832/mo
Deposit HK$8.66M · loan HK$12.99M · min. income ≈ HK$125,944/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$915,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,922
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$67,690
−HK$1,793/mo
Today · 4.125%
HK$69,483
baseline
▲ 0.50% · 4.625%
HK$73,146
+HK$3,663/mo
Deposit HK$8.66M · loan HK$12.99M · min. income ≈ HK$138,966/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$915,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,132
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$71,283
−HK$2,184/mo
Today · 4.125%
HK$73,467
baseline
▲ 0.50% · 4.625%
HK$77,938
+HK$4,471/mo
Deposit HK$6.50M · loan HK$15.16M · min. income ≈ HK$146,934/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$915,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,909
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$78,971
−HK$2,093/mo
Today · 4.125%
HK$81,064
baseline
▲ 0.50% · 4.625%
HK$85,337
+HK$4,273/mo
Deposit HK$6.50M · loan HK$15.16M · min. income ≈ HK$162,128/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$915,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,884
−HK$5,574/mo
▼ 0.25% · 3.875%
HK$91,649
−HK$2,809/mo
Today · 4.125%
HK$94,458
baseline
▲ 0.50% · 4.625%
HK$100,205
+HK$5,747/mo
Deposit HK$2.17M · loan HK$19.49M · min. income ≈ HK$188,916/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$915,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,883
−HK$5,342/mo
▼ 0.25% · 3.875%
HK$101,535
−HK$2,690/mo
Today · 4.125%
HK$104,225
baseline
▲ 0.50% · 4.625%
HK$109,719
+HK$5,494/mo
Deposit HK$2.17M · loan HK$19.49M · min. income ≈ HK$208,450/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$915,550 · Scale 2, in force from 26 Feb 2026)