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$49,386
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$50,922
−HK$1,561/mo
Today · 4.125%
HK$52,483
baseline
▲ 0.50% · 4.625%
HK$55,676
+HK$3,193/mo
Deposit HK$10.83M · loan HK$10.83M · min. income ≈ HK$104,966/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$915,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,941
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$56,415
−HK$1,494/mo
Today · 4.125%
HK$57,909
baseline
▲ 0.50% · 4.625%
HK$60,962
+HK$3,053/mo
Deposit HK$10.83M · loan HK$10.83M · min. income ≈ HK$115,818/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$915,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,263
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$61,106
−HK$1,873/mo
Today · 4.125%
HK$62,979
baseline
▲ 0.50% · 4.625%
HK$66,811
+HK$3,832/mo
Deposit HK$8.66M · loan HK$12.99M · min. income ≈ HK$125,958/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$915,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,929
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$67,698
−HK$1,793/mo
Today · 4.125%
HK$69,491
baseline
▲ 0.50% · 4.625%
HK$73,154
+HK$3,663/mo
Deposit HK$8.66M · loan HK$12.99M · min. income ≈ HK$138,982/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$915,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,140
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$71,291
−HK$2,185/mo
Today · 4.125%
HK$73,476
baseline
▲ 0.50% · 4.625%
HK$77,947
+HK$4,471/mo
Deposit HK$6.50M · loan HK$15.16M · min. income ≈ HK$146,952/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$915,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,918
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$78,981
−HK$2,092/mo
Today · 4.125%
HK$81,073
baseline
▲ 0.50% · 4.625%
HK$85,347
+HK$4,274/mo
Deposit HK$6.50M · loan HK$15.16M · min. income ≈ HK$162,146/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$915,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,894
−HK$5,575/mo
▼ 0.25% · 3.875%
HK$91,659
−HK$2,810/mo
Today · 4.125%
HK$94,469
baseline
▲ 0.50% · 4.625%
HK$100,217
+HK$5,748/mo
Deposit HK$2.17M · loan HK$19.49M · min. income ≈ HK$188,938/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$915,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,894
−HK$5,343/mo
▼ 0.25% · 3.875%
HK$101,546
−HK$2,691/mo
Today · 4.125%
HK$104,237
baseline
▲ 0.50% · 4.625%
HK$109,731
+HK$5,494/mo
Deposit HK$2.17M · loan HK$19.49M · min. income ≈ HK$208,474/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$915,798 · Scale 2, in force from 26 Feb 2026)