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$49,265
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$50,798
−HK$1,557/mo
Today · 4.125%
HK$52,355
baseline
▲ 0.50% · 4.625%
HK$55,540
+HK$3,185/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$104,710/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$910,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,807
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$56,277
−HK$1,491/mo
Today · 4.125%
HK$57,768
baseline
▲ 0.50% · 4.625%
HK$60,813
+HK$3,045/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$115,536/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$910,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,118
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$60,957
−HK$1,869/mo
Today · 4.125%
HK$62,826
baseline
▲ 0.50% · 4.625%
HK$66,648
+HK$3,822/mo
Deposit HK$8.64M · loan HK$12.96M · min. income ≈ HK$125,652/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$910,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,769
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$67,532
−HK$1,790/mo
Today · 4.125%
HK$69,322
baseline
▲ 0.50% · 4.625%
HK$72,976
+HK$3,654/mo
Deposit HK$8.64M · loan HK$12.96M · min. income ≈ HK$138,644/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$910,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,971
−HK$4,326/mo
▼ 0.25% · 3.875%
HK$71,117
−HK$2,180/mo
Today · 4.125%
HK$73,297
baseline
▲ 0.50% · 4.625%
HK$77,756
+HK$4,459/mo
Deposit HK$6.48M · loan HK$15.12M · min. income ≈ HK$146,594/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$910,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,730
−HK$4,145/mo
▼ 0.25% · 3.875%
HK$78,788
−HK$2,087/mo
Today · 4.125%
HK$80,875
baseline
▲ 0.50% · 4.625%
HK$85,139
+HK$4,264/mo
Deposit HK$6.48M · loan HK$15.12M · min. income ≈ HK$161,750/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$910,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,678
−HK$5,560/mo
▼ 0.25% · 3.875%
HK$91,436
−HK$2,802/mo
Today · 4.125%
HK$94,238
baseline
▲ 0.50% · 4.625%
HK$99,973
+HK$5,735/mo
Deposit HK$2.16M · loan HK$19.44M · min. income ≈ HK$188,476/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$910,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,653
−HK$5,330/mo
▼ 0.25% · 3.875%
HK$101,299
−HK$2,684/mo
Today · 4.125%
HK$103,983
baseline
▲ 0.50% · 4.625%
HK$109,464
+HK$5,481/mo
Deposit HK$2.16M · loan HK$19.44M · min. income ≈ HK$207,966/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$910,516 · Scale 2, in force from 26 Feb 2026)