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$49,260
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$50,793
−HK$1,556/mo
Today · 4.125%
HK$52,349
baseline
▲ 0.50% · 4.625%
HK$55,535
+HK$3,186/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$104,698/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$910,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,802
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$56,271
−HK$1,491/mo
Today · 4.125%
HK$57,762
baseline
▲ 0.50% · 4.625%
HK$60,807
+HK$3,045/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$115,524/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$910,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,112
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$60,951
−HK$1,868/mo
Today · 4.125%
HK$62,819
baseline
▲ 0.50% · 4.625%
HK$66,642
+HK$3,823/mo
Deposit HK$8.64M · loan HK$12.96M · min. income ≈ HK$125,638/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$910,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,762
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$67,526
−HK$1,789/mo
Today · 4.125%
HK$69,315
baseline
▲ 0.50% · 4.625%
HK$72,969
+HK$3,654/mo
Deposit HK$8.64M · loan HK$12.96M · min. income ≈ HK$138,630/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$910,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,964
−HK$4,325/mo
▼ 0.25% · 3.875%
HK$71,110
−HK$2,179/mo
Today · 4.125%
HK$73,289
baseline
▲ 0.50% · 4.625%
HK$77,749
+HK$4,460/mo
Deposit HK$6.48M · loan HK$15.12M · min. income ≈ HK$146,578/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$910,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,722
−HK$4,145/mo
▼ 0.25% · 3.875%
HK$78,780
−HK$2,087/mo
Today · 4.125%
HK$80,867
baseline
▲ 0.50% · 4.625%
HK$85,130
+HK$4,263/mo
Deposit HK$6.48M · loan HK$15.12M · min. income ≈ HK$161,734/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$910,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,669
−HK$5,560/mo
▼ 0.25% · 3.875%
HK$91,427
−HK$2,802/mo
Today · 4.125%
HK$94,229
baseline
▲ 0.50% · 4.625%
HK$99,963
+HK$5,734/mo
Deposit HK$2.16M · loan HK$19.44M · min. income ≈ HK$188,458/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$910,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,643
−HK$5,329/mo
▼ 0.25% · 3.875%
HK$101,289
−HK$2,683/mo
Today · 4.125%
HK$103,972
baseline
▲ 0.50% · 4.625%
HK$109,453
+HK$5,481/mo
Deposit HK$2.16M · loan HK$19.44M · min. income ≈ HK$207,944/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$910,299 · Scale 2, in force from 26 Feb 2026)