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$49,252
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$50,784
−HK$1,556/mo
Today · 4.125%
HK$52,340
baseline
▲ 0.50% · 4.625%
HK$55,525
+HK$3,185/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$104,680/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$909,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,792
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$56,262
−HK$1,490/mo
Today · 4.125%
HK$57,752
baseline
▲ 0.50% · 4.625%
HK$60,797
+HK$3,045/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$115,504/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$909,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,102
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$60,941
−HK$1,867/mo
Today · 4.125%
HK$62,808
baseline
▲ 0.50% · 4.625%
HK$66,630
+HK$3,822/mo
Deposit HK$8.64M · loan HK$12.96M · min. income ≈ HK$125,616/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$909,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,751
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$67,514
−HK$1,789/mo
Today · 4.125%
HK$69,303
baseline
▲ 0.50% · 4.625%
HK$72,956
+HK$3,653/mo
Deposit HK$8.64M · loan HK$12.96M · min. income ≈ HK$138,606/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$909,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,953
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$71,097
−HK$2,180/mo
Today · 4.125%
HK$73,277
baseline
▲ 0.50% · 4.625%
HK$77,735
+HK$4,458/mo
Deposit HK$6.48M · loan HK$15.12M · min. income ≈ HK$146,554/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$909,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,709
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$78,766
−HK$2,087/mo
Today · 4.125%
HK$80,853
baseline
▲ 0.50% · 4.625%
HK$85,115
+HK$4,262/mo
Deposit HK$6.48M · loan HK$15.12M · min. income ≈ HK$161,706/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$909,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,653
−HK$5,560/mo
▼ 0.25% · 3.875%
HK$91,411
−HK$2,802/mo
Today · 4.125%
HK$94,213
baseline
▲ 0.50% · 4.625%
HK$99,945
+HK$5,732/mo
Deposit HK$2.16M · loan HK$19.44M · min. income ≈ HK$188,426/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$909,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,626
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$101,271
−HK$2,683/mo
Today · 4.125%
HK$103,954
baseline
▲ 0.50% · 4.625%
HK$109,434
+HK$5,480/mo
Deposit HK$2.16M · loan HK$19.44M · min. income ≈ HK$207,908/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$909,926 · Scale 2, in force from 26 Feb 2026)