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$49,269
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$50,802
−HK$1,557/mo
Today · 4.125%
HK$52,359
baseline
▲ 0.50% · 4.625%
HK$55,545
+HK$3,186/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$104,718/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$910,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,811
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$56,281
−HK$1,492/mo
Today · 4.125%
HK$57,773
baseline
▲ 0.50% · 4.625%
HK$60,818
+HK$3,045/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$115,546/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$910,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,123
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$60,962
−HK$1,868/mo
Today · 4.125%
HK$62,830
baseline
▲ 0.50% · 4.625%
HK$66,653
+HK$3,823/mo
Deposit HK$8.64M · loan HK$12.96M · min. income ≈ HK$125,660/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$910,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,774
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$67,538
−HK$1,789/mo
Today · 4.125%
HK$69,327
baseline
▲ 0.50% · 4.625%
HK$72,981
+HK$3,654/mo
Deposit HK$8.64M · loan HK$12.96M · min. income ≈ HK$138,654/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$910,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,977
−HK$4,325/mo
▼ 0.25% · 3.875%
HK$71,122
−HK$2,180/mo
Today · 4.125%
HK$73,302
baseline
▲ 0.50% · 4.625%
HK$77,762
+HK$4,460/mo
Deposit HK$6.48M · loan HK$15.12M · min. income ≈ HK$146,604/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$910,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,736
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$78,794
−HK$2,088/mo
Today · 4.125%
HK$80,882
baseline
▲ 0.50% · 4.625%
HK$85,145
+HK$4,263/mo
Deposit HK$6.48M · loan HK$15.12M · min. income ≈ HK$161,764/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$910,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,684
−HK$5,562/mo
▼ 0.25% · 3.875%
HK$91,443
−HK$2,803/mo
Today · 4.125%
HK$94,246
baseline
▲ 0.50% · 4.625%
HK$99,980
+HK$5,734/mo
Deposit HK$2.16M · loan HK$19.45M · min. income ≈ HK$188,492/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$910,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,660
−HK$5,331/mo
▼ 0.25% · 3.875%
HK$101,306
−HK$2,685/mo
Today · 4.125%
HK$103,991
baseline
▲ 0.50% · 4.625%
HK$109,472
+HK$5,481/mo
Deposit HK$2.16M · loan HK$19.45M · min. income ≈ HK$207,982/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$910,679 · Scale 2, in force from 26 Feb 2026)