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$49,275
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$50,808
−HK$1,557/mo
Today · 4.125%
HK$52,365
baseline
▲ 0.50% · 4.625%
HK$55,552
+HK$3,187/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$104,730/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$910,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,818
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$56,289
−HK$1,491/mo
Today · 4.125%
HK$57,780
baseline
▲ 0.50% · 4.625%
HK$60,826
+HK$3,046/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$115,560/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$910,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,130
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$60,970
−HK$1,868/mo
Today · 4.125%
HK$62,838
baseline
▲ 0.50% · 4.625%
HK$66,662
+HK$3,824/mo
Deposit HK$8.64M · loan HK$12.97M · min. income ≈ HK$125,676/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$910,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,782
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$67,546
−HK$1,790/mo
Today · 4.125%
HK$69,336
baseline
▲ 0.50% · 4.625%
HK$72,991
+HK$3,655/mo
Deposit HK$8.64M · loan HK$12.97M · min. income ≈ HK$138,672/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$910,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,986
−HK$4,326/mo
▼ 0.25% · 3.875%
HK$71,131
−HK$2,181/mo
Today · 4.125%
HK$73,312
baseline
▲ 0.50% · 4.625%
HK$77,772
+HK$4,460/mo
Deposit HK$6.48M · loan HK$15.13M · min. income ≈ HK$146,624/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$910,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,746
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$78,804
−HK$2,088/mo
Today · 4.125%
HK$80,892
baseline
▲ 0.50% · 4.625%
HK$85,156
+HK$4,264/mo
Deposit HK$6.48M · loan HK$15.13M · min. income ≈ HK$161,784/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$910,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,696
−HK$5,562/mo
▼ 0.25% · 3.875%
HK$91,455
−HK$2,803/mo
Today · 4.125%
HK$94,258
baseline
▲ 0.50% · 4.625%
HK$99,993
+HK$5,735/mo
Deposit HK$2.16M · loan HK$19.45M · min. income ≈ HK$188,516/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$910,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,673
−HK$5,331/mo
▼ 0.25% · 3.875%
HK$101,319
−HK$2,685/mo
Today · 4.125%
HK$104,004
baseline
▲ 0.50% · 4.625%
HK$109,486
+HK$5,482/mo
Deposit HK$2.16M · loan HK$19.45M · min. income ≈ HK$208,008/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$910,958 · Scale 2, in force from 26 Feb 2026)