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$49,416
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$50,953
−HK$1,562/mo
Today · 4.125%
HK$52,515
baseline
▲ 0.50% · 4.625%
HK$55,710
+HK$3,195/mo
Deposit HK$10.84M · loan HK$10.84M · min. income ≈ HK$105,030/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$917,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,975
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$56,449
−HK$1,496/mo
Today · 4.125%
HK$57,945
baseline
▲ 0.50% · 4.625%
HK$60,999
+HK$3,054/mo
Deposit HK$10.84M · loan HK$10.84M · min. income ≈ HK$115,890/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$917,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,299
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$61,144
−HK$1,874/mo
Today · 4.125%
HK$63,018
baseline
▲ 0.50% · 4.625%
HK$66,852
+HK$3,834/mo
Deposit HK$8.67M · loan HK$13.00M · min. income ≈ HK$126,036/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$917,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,970
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$67,739
−HK$1,795/mo
Today · 4.125%
HK$69,534
baseline
▲ 0.50% · 4.625%
HK$73,199
+HK$3,665/mo
Deposit HK$8.67M · loan HK$13.00M · min. income ≈ HK$139,068/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$917,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,182
−HK$4,339/mo
▼ 0.25% · 3.875%
HK$71,334
−HK$2,187/mo
Today · 4.125%
HK$73,521
baseline
▲ 0.50% · 4.625%
HK$77,994
+HK$4,473/mo
Deposit HK$6.50M · loan HK$15.17M · min. income ≈ HK$147,042/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$917,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,965
−HK$4,158/mo
▼ 0.25% · 3.875%
HK$79,029
−HK$2,094/mo
Today · 4.125%
HK$81,123
baseline
▲ 0.50% · 4.625%
HK$85,399
+HK$4,276/mo
Deposit HK$6.50M · loan HK$15.17M · min. income ≈ HK$162,246/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$917,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,949
−HK$5,578/mo
▼ 0.25% · 3.875%
HK$91,716
−HK$2,811/mo
Today · 4.125%
HK$94,527
baseline
▲ 0.50% · 4.625%
HK$100,278
+HK$5,751/mo
Deposit HK$2.17M · loan HK$19.50M · min. income ≈ HK$189,054/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$917,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,955
−HK$5,346/mo
▼ 0.25% · 3.875%
HK$101,608
−HK$2,693/mo
Today · 4.125%
HK$104,301
baseline
▲ 0.50% · 4.625%
HK$109,799
+HK$5,498/mo
Deposit HK$2.17M · loan HK$19.50M · min. income ≈ HK$208,602/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$917,123 · Scale 2, in force from 26 Feb 2026)