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$49,259
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$50,791
−HK$1,557/mo
Today · 4.125%
HK$52,348
baseline
▲ 0.50% · 4.625%
HK$55,533
+HK$3,185/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$104,696/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$910,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,800
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$56,270
−HK$1,491/mo
Today · 4.125%
HK$57,761
baseline
▲ 0.50% · 4.625%
HK$60,805
+HK$3,044/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$115,522/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$910,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,111
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$60,949
−HK$1,868/mo
Today · 4.125%
HK$62,817
baseline
▲ 0.50% · 4.625%
HK$66,640
+HK$3,823/mo
Deposit HK$8.64M · loan HK$12.96M · min. income ≈ HK$125,634/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$910,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,760
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$67,524
−HK$1,789/mo
Today · 4.125%
HK$69,313
baseline
▲ 0.50% · 4.625%
HK$72,966
+HK$3,653/mo
Deposit HK$8.64M · loan HK$12.96M · min. income ≈ HK$138,626/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$910,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,962
−HK$4,325/mo
▼ 0.25% · 3.875%
HK$71,108
−HK$2,179/mo
Today · 4.125%
HK$73,287
baseline
▲ 0.50% · 4.625%
HK$77,746
+HK$4,459/mo
Deposit HK$6.48M · loan HK$15.12M · min. income ≈ HK$146,574/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$910,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,720
−HK$4,145/mo
▼ 0.25% · 3.875%
HK$78,778
−HK$2,087/mo
Today · 4.125%
HK$80,865
baseline
▲ 0.50% · 4.625%
HK$85,128
+HK$4,263/mo
Deposit HK$6.48M · loan HK$15.12M · min. income ≈ HK$161,730/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$910,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,666
−HK$5,560/mo
▼ 0.25% · 3.875%
HK$91,424
−HK$2,802/mo
Today · 4.125%
HK$94,226
baseline
▲ 0.50% · 4.625%
HK$99,960
+HK$5,734/mo
Deposit HK$2.16M · loan HK$19.44M · min. income ≈ HK$188,452/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$910,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,640
−HK$5,329/mo
▼ 0.25% · 3.875%
HK$101,286
−HK$2,683/mo
Today · 4.125%
HK$103,969
baseline
▲ 0.50% · 4.625%
HK$109,450
+HK$5,481/mo
Deposit HK$2.16M · loan HK$19.44M · min. income ≈ HK$207,938/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$910,236 · Scale 2, in force from 26 Feb 2026)