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$49,284
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$50,817
−HK$1,557/mo
Today · 4.125%
HK$52,374
baseline
▲ 0.50% · 4.625%
HK$55,561
+HK$3,187/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$104,748/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$911,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,828
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$56,298
−HK$1,492/mo
Today · 4.125%
HK$57,790
baseline
▲ 0.50% · 4.625%
HK$60,836
+HK$3,046/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$115,580/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$911,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,140
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$60,980
−HK$1,869/mo
Today · 4.125%
HK$62,849
baseline
▲ 0.50% · 4.625%
HK$66,673
+HK$3,824/mo
Deposit HK$8.65M · loan HK$12.97M · min. income ≈ HK$125,698/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$911,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,793
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$67,558
−HK$1,790/mo
Today · 4.125%
HK$69,348
baseline
▲ 0.50% · 4.625%
HK$73,003
+HK$3,655/mo
Deposit HK$8.65M · loan HK$12.97M · min. income ≈ HK$138,696/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$911,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,997
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$71,143
−HK$2,181/mo
Today · 4.125%
HK$73,324
baseline
▲ 0.50% · 4.625%
HK$77,785
+HK$4,461/mo
Deposit HK$6.48M · loan HK$15.13M · min. income ≈ HK$146,648/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$911,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,759
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$78,817
−HK$2,089/mo
Today · 4.125%
HK$80,906
baseline
▲ 0.50% · 4.625%
HK$85,170
+HK$4,264/mo
Deposit HK$6.48M · loan HK$15.13M · min. income ≈ HK$161,812/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$911,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,711
−HK$5,562/mo
▼ 0.25% · 3.875%
HK$91,470
−HK$2,803/mo
Today · 4.125%
HK$94,273
baseline
▲ 0.50% · 4.625%
HK$100,010
+HK$5,737/mo
Deposit HK$2.16M · loan HK$19.45M · min. income ≈ HK$188,546/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$911,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,690
−HK$5,332/mo
▼ 0.25% · 3.875%
HK$101,336
−HK$2,686/mo
Today · 4.125%
HK$104,022
baseline
▲ 0.50% · 4.625%
HK$109,505
+HK$5,483/mo
Deposit HK$2.16M · loan HK$19.45M · min. income ≈ HK$208,044/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$911,321 · Scale 2, in force from 26 Feb 2026)