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$49,426
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$50,964
−HK$1,562/mo
Today · 4.125%
HK$52,526
baseline
▲ 0.50% · 4.625%
HK$55,722
+HK$3,196/mo
Deposit HK$10.84M · loan HK$10.84M · min. income ≈ HK$105,052/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$917,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,986
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$56,461
−HK$1,496/mo
Today · 4.125%
HK$57,957
baseline
▲ 0.50% · 4.625%
HK$61,012
+HK$3,055/mo
Deposit HK$10.84M · loan HK$10.84M · min. income ≈ HK$115,914/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$917,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,312
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$61,157
−HK$1,874/mo
Today · 4.125%
HK$63,031
baseline
▲ 0.50% · 4.625%
HK$66,866
+HK$3,835/mo
Deposit HK$8.67M · loan HK$13.01M · min. income ≈ HK$126,062/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$917,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,984
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$67,753
−HK$1,795/mo
Today · 4.125%
HK$69,548
baseline
▲ 0.50% · 4.625%
HK$73,214
+HK$3,666/mo
Deposit HK$8.67M · loan HK$13.01M · min. income ≈ HK$139,096/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$917,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,197
−HK$4,339/mo
▼ 0.25% · 3.875%
HK$71,349
−HK$2,187/mo
Today · 4.125%
HK$73,536
baseline
▲ 0.50% · 4.625%
HK$78,011
+HK$4,475/mo
Deposit HK$6.50M · loan HK$15.17M · min. income ≈ HK$147,072/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$917,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,981
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$79,045
−HK$2,095/mo
Today · 4.125%
HK$81,140
baseline
▲ 0.50% · 4.625%
HK$85,417
+HK$4,277/mo
Deposit HK$6.50M · loan HK$15.17M · min. income ≈ HK$162,280/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$917,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,967
−HK$5,579/mo
▼ 0.25% · 3.875%
HK$91,735
−HK$2,811/mo
Today · 4.125%
HK$94,546
baseline
▲ 0.50% · 4.625%
HK$100,299
+HK$5,753/mo
Deposit HK$2.17M · loan HK$19.51M · min. income ≈ HK$189,092/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$917,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,975
−HK$5,348/mo
▼ 0.25% · 3.875%
HK$101,630
−HK$2,693/mo
Today · 4.125%
HK$104,323
baseline
▲ 0.50% · 4.625%
HK$109,822
+HK$5,499/mo
Deposit HK$2.17M · loan HK$19.51M · min. income ≈ HK$208,646/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$917,578 · Scale 2, in force from 26 Feb 2026)