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$49,267
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$50,799
−HK$1,557/mo
Today · 4.125%
HK$52,356
baseline
▲ 0.50% · 4.625%
HK$55,542
+HK$3,186/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$104,712/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$910,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,809
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$56,279
−HK$1,491/mo
Today · 4.125%
HK$57,770
baseline
▲ 0.50% · 4.625%
HK$60,815
+HK$3,045/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$115,540/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$910,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,120
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$60,959
−HK$1,869/mo
Today · 4.125%
HK$62,828
baseline
▲ 0.50% · 4.625%
HK$66,651
+HK$3,823/mo
Deposit HK$8.64M · loan HK$12.96M · min. income ≈ HK$125,656/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$910,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,771
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$67,535
−HK$1,789/mo
Today · 4.125%
HK$69,324
baseline
▲ 0.50% · 4.625%
HK$72,978
+HK$3,654/mo
Deposit HK$8.64M · loan HK$12.96M · min. income ≈ HK$138,648/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$910,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,974
−HK$4,325/mo
▼ 0.25% · 3.875%
HK$71,119
−HK$2,180/mo
Today · 4.125%
HK$73,299
baseline
▲ 0.50% · 4.625%
HK$77,759
+HK$4,460/mo
Deposit HK$6.48M · loan HK$15.12M · min. income ≈ HK$146,598/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$910,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,733
−HK$4,145/mo
▼ 0.25% · 3.875%
HK$78,791
−HK$2,087/mo
Today · 4.125%
HK$80,878
baseline
▲ 0.50% · 4.625%
HK$85,141
+HK$4,263/mo
Deposit HK$6.48M · loan HK$15.12M · min. income ≈ HK$161,756/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$910,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,681
−HK$5,561/mo
▼ 0.25% · 3.875%
HK$91,439
−HK$2,803/mo
Today · 4.125%
HK$94,242
baseline
▲ 0.50% · 4.625%
HK$99,976
+HK$5,734/mo
Deposit HK$2.16M · loan HK$19.45M · min. income ≈ HK$188,484/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$910,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,656
−HK$5,330/mo
▼ 0.25% · 3.875%
HK$101,302
−HK$2,684/mo
Today · 4.125%
HK$103,986
baseline
▲ 0.50% · 4.625%
HK$109,468
+HK$5,482/mo
Deposit HK$2.16M · loan HK$19.45M · min. income ≈ HK$207,972/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$910,591 · Scale 2, in force from 26 Feb 2026)