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$49,391
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$50,927
−HK$1,561/mo
Today · 4.125%
HK$52,488
baseline
▲ 0.50% · 4.625%
HK$55,682
+HK$3,194/mo
Deposit HK$10.83M · loan HK$10.83M · min. income ≈ HK$104,976/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$916,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,947
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$56,420
−HK$1,495/mo
Today · 4.125%
HK$57,915
baseline
▲ 0.50% · 4.625%
HK$60,968
+HK$3,053/mo
Deposit HK$10.83M · loan HK$10.83M · min. income ≈ HK$115,830/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$916,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,269
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$61,113
−HK$1,873/mo
Today · 4.125%
HK$62,986
baseline
▲ 0.50% · 4.625%
HK$66,818
+HK$3,832/mo
Deposit HK$8.66M · loan HK$13.00M · min. income ≈ HK$125,972/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$916,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,936
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$67,704
−HK$1,794/mo
Today · 4.125%
HK$69,498
baseline
▲ 0.50% · 4.625%
HK$73,162
+HK$3,664/mo
Deposit HK$8.66M · loan HK$13.00M · min. income ≈ HK$138,996/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$916,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,147
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$71,298
−HK$2,185/mo
Today · 4.125%
HK$73,483
baseline
▲ 0.50% · 4.625%
HK$77,954
+HK$4,471/mo
Deposit HK$6.50M · loan HK$15.16M · min. income ≈ HK$146,966/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$916,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,925
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$78,989
−HK$2,092/mo
Today · 4.125%
HK$81,081
baseline
▲ 0.50% · 4.625%
HK$85,355
+HK$4,274/mo
Deposit HK$6.50M · loan HK$15.16M · min. income ≈ HK$162,162/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$916,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,903
−HK$5,575/mo
▼ 0.25% · 3.875%
HK$91,669
−HK$2,809/mo
Today · 4.125%
HK$94,478
baseline
▲ 0.50% · 4.625%
HK$100,227
+HK$5,749/mo
Deposit HK$2.17M · loan HK$19.49M · min. income ≈ HK$188,956/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$916,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,904
−HK$5,344/mo
▼ 0.25% · 3.875%
HK$101,557
−HK$2,691/mo
Today · 4.125%
HK$104,248
baseline
▲ 0.50% · 4.625%
HK$109,743
+HK$5,495/mo
Deposit HK$2.17M · loan HK$19.49M · min. income ≈ HK$208,496/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$916,018 · Scale 2, in force from 26 Feb 2026)