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$49,417
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$50,954
−HK$1,562/mo
Today · 4.125%
HK$52,516
baseline
▲ 0.50% · 4.625%
HK$55,711
+HK$3,195/mo
Deposit HK$10.84M · loan HK$10.84M · min. income ≈ HK$105,032/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$917,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,976
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$56,450
−HK$1,496/mo
Today · 4.125%
HK$57,946
baseline
▲ 0.50% · 4.625%
HK$61,000
+HK$3,054/mo
Deposit HK$10.84M · loan HK$10.84M · min. income ≈ HK$115,892/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$917,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,300
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$61,145
−HK$1,874/mo
Today · 4.125%
HK$63,019
baseline
▲ 0.50% · 4.625%
HK$66,853
+HK$3,834/mo
Deposit HK$8.67M · loan HK$13.00M · min. income ≈ HK$126,038/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$917,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,971
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$67,740
−HK$1,795/mo
Today · 4.125%
HK$69,535
baseline
▲ 0.50% · 4.625%
HK$73,200
+HK$3,665/mo
Deposit HK$8.67M · loan HK$13.00M · min. income ≈ HK$139,070/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$917,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,184
−HK$4,338/mo
▼ 0.25% · 3.875%
HK$71,336
−HK$2,186/mo
Today · 4.125%
HK$73,522
baseline
▲ 0.50% · 4.625%
HK$77,996
+HK$4,474/mo
Deposit HK$6.50M · loan HK$15.17M · min. income ≈ HK$147,044/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$917,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,966
−HK$4,158/mo
▼ 0.25% · 3.875%
HK$79,030
−HK$2,094/mo
Today · 4.125%
HK$81,124
baseline
▲ 0.50% · 4.625%
HK$85,400
+HK$4,276/mo
Deposit HK$6.50M · loan HK$15.17M · min. income ≈ HK$162,248/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$917,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,950
−HK$5,578/mo
▼ 0.25% · 3.875%
HK$91,717
−HK$2,811/mo
Today · 4.125%
HK$94,528
baseline
▲ 0.50% · 4.625%
HK$100,280
+HK$5,752/mo
Deposit HK$2.17M · loan HK$19.50M · min. income ≈ HK$189,056/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$917,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,956
−HK$5,347/mo
▼ 0.25% · 3.875%
HK$101,610
−HK$2,693/mo
Today · 4.125%
HK$104,303
baseline
▲ 0.50% · 4.625%
HK$109,801
+HK$5,498/mo
Deposit HK$2.17M · loan HK$19.50M · min. income ≈ HK$208,606/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$917,162 · Scale 2, in force from 26 Feb 2026)