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$49,059
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$50,585
−HK$1,551/mo
Today · 4.125%
HK$52,136
baseline
▲ 0.50% · 4.625%
HK$55,308
+HK$3,172/mo
Deposit HK$10.76M · loan HK$10.76M · min. income ≈ HK$104,272/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$901,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,578
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$56,042
−HK$1,485/mo
Today · 4.125%
HK$57,527
baseline
▲ 0.50% · 4.625%
HK$60,559
+HK$3,032/mo
Deposit HK$10.76M · loan HK$10.76M · min. income ≈ HK$115,054/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$901,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,871
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$60,702
−HK$1,861/mo
Today · 4.125%
HK$62,563
baseline
▲ 0.50% · 4.625%
HK$66,370
+HK$3,807/mo
Deposit HK$8.61M · loan HK$12.91M · min. income ≈ HK$125,126/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$901,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,494
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$67,250
−HK$1,782/mo
Today · 4.125%
HK$69,032
baseline
▲ 0.50% · 4.625%
HK$72,671
+HK$3,639/mo
Deposit HK$8.61M · loan HK$12.91M · min. income ≈ HK$138,064/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$901,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,683
−HK$4,307/mo
▼ 0.25% · 3.875%
HK$70,819
−HK$2,171/mo
Today · 4.125%
HK$72,990
baseline
▲ 0.50% · 4.625%
HK$77,431
+HK$4,441/mo
Deposit HK$6.45M · loan HK$15.06M · min. income ≈ HK$145,980/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$901,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,409
−HK$4,128/mo
▼ 0.25% · 3.875%
HK$78,458
−HK$2,079/mo
Today · 4.125%
HK$80,537
baseline
▲ 0.50% · 4.625%
HK$84,783
+HK$4,246/mo
Deposit HK$6.45M · loan HK$15.06M · min. income ≈ HK$161,074/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$901,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,307
−HK$5,537/mo
▼ 0.25% · 3.875%
HK$91,054
−HK$2,790/mo
Today · 4.125%
HK$93,844
baseline
▲ 0.50% · 4.625%
HK$99,555
+HK$5,711/mo
Deposit HK$2.15M · loan HK$19.36M · min. income ≈ HK$187,688/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$901,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,240
−HK$5,308/mo
▼ 0.25% · 3.875%
HK$100,875
−HK$2,673/mo
Today · 4.125%
HK$103,548
baseline
▲ 0.50% · 4.625%
HK$109,006
+HK$5,458/mo
Deposit HK$2.15M · loan HK$19.36M · min. income ≈ HK$207,096/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$901,482 · Scale 2, in force from 26 Feb 2026)