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$49,272
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$50,805
−HK$1,557/mo
Today · 4.125%
HK$52,362
baseline
▲ 0.50% · 4.625%
HK$55,548
+HK$3,186/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$104,724/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$910,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,815
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$56,285
−HK$1,491/mo
Today · 4.125%
HK$57,776
baseline
▲ 0.50% · 4.625%
HK$60,822
+HK$3,046/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$115,552/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$910,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,127
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$60,966
−HK$1,869/mo
Today · 4.125%
HK$62,835
baseline
▲ 0.50% · 4.625%
HK$66,658
+HK$3,823/mo
Deposit HK$8.64M · loan HK$12.96M · min. income ≈ HK$125,670/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$910,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,778
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$67,542
−HK$1,790/mo
Today · 4.125%
HK$69,332
baseline
▲ 0.50% · 4.625%
HK$72,986
+HK$3,654/mo
Deposit HK$8.64M · loan HK$12.96M · min. income ≈ HK$138,664/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$910,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,981
−HK$4,326/mo
▼ 0.25% · 3.875%
HK$71,127
−HK$2,180/mo
Today · 4.125%
HK$73,307
baseline
▲ 0.50% · 4.625%
HK$77,768
+HK$4,461/mo
Deposit HK$6.48M · loan HK$15.13M · min. income ≈ HK$146,614/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$910,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,741
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$78,799
−HK$2,088/mo
Today · 4.125%
HK$80,887
baseline
▲ 0.50% · 4.625%
HK$85,151
+HK$4,264/mo
Deposit HK$6.48M · loan HK$15.13M · min. income ≈ HK$161,774/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$910,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,690
−HK$5,562/mo
▼ 0.25% · 3.875%
HK$91,449
−HK$2,803/mo
Today · 4.125%
HK$94,252
baseline
▲ 0.50% · 4.625%
HK$99,987
+HK$5,735/mo
Deposit HK$2.16M · loan HK$19.45M · min. income ≈ HK$188,504/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$910,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,667
−HK$5,331/mo
▼ 0.25% · 3.875%
HK$101,313
−HK$2,685/mo
Today · 4.125%
HK$103,998
baseline
▲ 0.50% · 4.625%
HK$109,479
+HK$5,481/mo
Deposit HK$2.16M · loan HK$19.45M · min. income ≈ HK$207,996/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$910,824 · Scale 2, in force from 26 Feb 2026)