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$49,325
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$50,859
−HK$1,559/mo
Today · 4.125%
HK$52,418
baseline
▲ 0.50% · 4.625%
HK$55,607
+HK$3,189/mo
Deposit HK$10.82M · loan HK$10.82M · min. income ≈ HK$104,836/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$913,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,873
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$56,345
−HK$1,493/mo
Today · 4.125%
HK$57,838
baseline
▲ 0.50% · 4.625%
HK$60,887
+HK$3,049/mo
Deposit HK$10.82M · loan HK$10.82M · min. income ≈ HK$115,676/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$913,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,190
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$61,031
−HK$1,870/mo
Today · 4.125%
HK$62,901
baseline
▲ 0.50% · 4.625%
HK$66,729
+HK$3,828/mo
Deposit HK$8.65M · loan HK$12.98M · min. income ≈ HK$125,802/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$913,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,848
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$67,614
−HK$1,791/mo
Today · 4.125%
HK$69,405
baseline
▲ 0.50% · 4.625%
HK$73,064
+HK$3,659/mo
Deposit HK$8.65M · loan HK$12.98M · min. income ≈ HK$138,810/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$913,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,055
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$71,203
−HK$2,182/mo
Today · 4.125%
HK$73,385
baseline
▲ 0.50% · 4.625%
HK$77,850
+HK$4,465/mo
Deposit HK$6.49M · loan HK$15.14M · min. income ≈ HK$146,770/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$913,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,822
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$78,883
−HK$2,090/mo
Today · 4.125%
HK$80,973
baseline
▲ 0.50% · 4.625%
HK$85,241
+HK$4,268/mo
Deposit HK$6.49M · loan HK$15.14M · min. income ≈ HK$161,946/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$913,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,784
−HK$5,568/mo
▼ 0.25% · 3.875%
HK$91,546
−HK$2,806/mo
Today · 4.125%
HK$94,352
baseline
▲ 0.50% · 4.625%
HK$100,093
+HK$5,741/mo
Deposit HK$2.16M · loan HK$19.47M · min. income ≈ HK$188,704/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$913,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,772
−HK$5,336/mo
▼ 0.25% · 3.875%
HK$101,421
−HK$2,687/mo
Today · 4.125%
HK$104,108
baseline
▲ 0.50% · 4.625%
HK$109,596
+HK$5,488/mo
Deposit HK$2.16M · loan HK$19.47M · min. income ≈ HK$208,216/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$913,119 · Scale 2, in force from 26 Feb 2026)