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$49,398
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$50,935
−HK$1,561/mo
Today · 4.125%
HK$52,496
baseline
▲ 0.50% · 4.625%
HK$55,690
+HK$3,194/mo
Deposit HK$10.83M · loan HK$10.83M · min. income ≈ HK$104,992/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$916,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,955
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$56,429
−HK$1,495/mo
Today · 4.125%
HK$57,924
baseline
▲ 0.50% · 4.625%
HK$60,978
+HK$3,054/mo
Deposit HK$10.83M · loan HK$10.83M · min. income ≈ HK$115,848/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$916,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,278
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$61,122
−HK$1,873/mo
Today · 4.125%
HK$62,995
baseline
▲ 0.50% · 4.625%
HK$66,828
+HK$3,833/mo
Deposit HK$8.67M · loan HK$13.00M · min. income ≈ HK$125,990/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$916,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,946
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$67,715
−HK$1,794/mo
Today · 4.125%
HK$69,509
baseline
▲ 0.50% · 4.625%
HK$73,173
+HK$3,664/mo
Deposit HK$8.67M · loan HK$13.00M · min. income ≈ HK$139,018/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$916,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,158
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$71,309
−HK$2,186/mo
Today · 4.125%
HK$73,495
baseline
▲ 0.50% · 4.625%
HK$77,967
+HK$4,472/mo
Deposit HK$6.50M · loan HK$15.16M · min. income ≈ HK$146,990/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$916,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,937
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$79,001
−HK$2,093/mo
Today · 4.125%
HK$81,094
baseline
▲ 0.50% · 4.625%
HK$85,369
+HK$4,275/mo
Deposit HK$6.50M · loan HK$15.16M · min. income ≈ HK$162,188/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$916,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,917
−HK$5,576/mo
▼ 0.25% · 3.875%
HK$91,683
−HK$2,810/mo
Today · 4.125%
HK$94,493
baseline
▲ 0.50% · 4.625%
HK$100,243
+HK$5,750/mo
Deposit HK$2.17M · loan HK$19.50M · min. income ≈ HK$188,986/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$916,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,919
−HK$5,345/mo
▼ 0.25% · 3.875%
HK$101,572
−HK$2,692/mo
Today · 4.125%
HK$104,264
baseline
▲ 0.50% · 4.625%
HK$109,760
+HK$5,496/mo
Deposit HK$2.17M · loan HK$19.50M · min. income ≈ HK$208,528/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$916,354 · Scale 2, in force from 26 Feb 2026)