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$49,063
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$50,589
−HK$1,551/mo
Today · 4.125%
HK$52,140
baseline
▲ 0.50% · 4.625%
HK$55,312
+HK$3,172/mo
Deposit HK$10.76M · loan HK$10.76M · min. income ≈ HK$104,280/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$901,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,582
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$56,046
−HK$1,485/mo
Today · 4.125%
HK$57,531
baseline
▲ 0.50% · 4.625%
HK$60,564
+HK$3,033/mo
Deposit HK$10.76M · loan HK$10.76M · min. income ≈ HK$115,062/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$901,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,876
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$60,707
−HK$1,861/mo
Today · 4.125%
HK$62,568
baseline
▲ 0.50% · 4.625%
HK$66,375
+HK$3,807/mo
Deposit HK$8.61M · loan HK$12.91M · min. income ≈ HK$125,136/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$901,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,499
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$67,255
−HK$1,782/mo
Today · 4.125%
HK$69,037
baseline
▲ 0.50% · 4.625%
HK$72,677
+HK$3,640/mo
Deposit HK$8.61M · loan HK$12.91M · min. income ≈ HK$138,074/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$901,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,688
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$70,825
−HK$2,171/mo
Today · 4.125%
HK$72,996
baseline
▲ 0.50% · 4.625%
HK$77,437
+HK$4,441/mo
Deposit HK$6.45M · loan HK$15.06M · min. income ≈ HK$145,992/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$901,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,415
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$78,465
−HK$2,079/mo
Today · 4.125%
HK$80,544
baseline
▲ 0.50% · 4.625%
HK$84,789
+HK$4,245/mo
Deposit HK$6.45M · loan HK$15.06M · min. income ≈ HK$161,088/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$901,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,314
−HK$5,538/mo
▼ 0.25% · 3.875%
HK$91,061
−HK$2,791/mo
Today · 4.125%
HK$93,852
baseline
▲ 0.50% · 4.625%
HK$99,562
+HK$5,710/mo
Deposit HK$2.15M · loan HK$19.36M · min. income ≈ HK$187,704/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$901,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,248
−HK$5,308/mo
▼ 0.25% · 3.875%
HK$100,883
−HK$2,673/mo
Today · 4.125%
HK$103,556
baseline
▲ 0.50% · 4.625%
HK$109,015
+HK$5,459/mo
Deposit HK$2.15M · loan HK$19.36M · min. income ≈ HK$207,112/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$901,653 · Scale 2, in force from 26 Feb 2026)