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$49,171
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$50,700
−HK$1,554/mo
Today · 4.125%
HK$52,254
baseline
▲ 0.50% · 4.625%
HK$55,434
+HK$3,180/mo
Deposit HK$10.78M · loan HK$10.78M · min. income ≈ HK$104,508/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$906,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,702
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$56,169
−HK$1,488/mo
Today · 4.125%
HK$57,657
baseline
▲ 0.50% · 4.625%
HK$60,696
+HK$3,039/mo
Deposit HK$10.78M · loan HK$10.78M · min. income ≈ HK$115,314/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$906,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,005
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$60,840
−HK$1,865/mo
Today · 4.125%
HK$62,705
baseline
▲ 0.50% · 4.625%
HK$66,520
+HK$3,815/mo
Deposit HK$8.63M · loan HK$12.94M · min. income ≈ HK$125,410/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$906,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,642
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$67,403
−HK$1,786/mo
Today · 4.125%
HK$69,189
baseline
▲ 0.50% · 4.625%
HK$72,836
+HK$3,647/mo
Deposit HK$8.63M · loan HK$12.94M · min. income ≈ HK$138,378/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$906,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,839
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$70,980
−HK$2,176/mo
Today · 4.125%
HK$73,156
baseline
▲ 0.50% · 4.625%
HK$77,607
+HK$4,451/mo
Deposit HK$6.47M · loan HK$15.09M · min. income ≈ HK$146,312/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$906,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,583
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$78,636
−HK$2,084/mo
Today · 4.125%
HK$80,720
baseline
▲ 0.50% · 4.625%
HK$84,975
+HK$4,255/mo
Deposit HK$6.47M · loan HK$15.09M · min. income ≈ HK$161,440/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$906,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,507
−HK$5,550/mo
▼ 0.25% · 3.875%
HK$91,260
−HK$2,797/mo
Today · 4.125%
HK$94,057
baseline
▲ 0.50% · 4.625%
HK$99,780
+HK$5,723/mo
Deposit HK$2.16M · loan HK$19.41M · min. income ≈ HK$188,114/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$906,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,463
−HK$5,320/mo
▼ 0.25% · 3.875%
HK$101,104
−HK$2,679/mo
Today · 4.125%
HK$103,783
baseline
▲ 0.50% · 4.625%
HK$109,253
+HK$5,470/mo
Deposit HK$2.16M · loan HK$19.41M · min. income ≈ HK$207,566/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$906,364 · Scale 2, in force from 26 Feb 2026)