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$49,257
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$50,789
−HK$1,557/mo
Today · 4.125%
HK$52,346
baseline
▲ 0.50% · 4.625%
HK$55,531
+HK$3,185/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$104,692/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$910,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,798
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$56,268
−HK$1,491/mo
Today · 4.125%
HK$57,759
baseline
▲ 0.50% · 4.625%
HK$60,803
+HK$3,044/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$115,518/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$910,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,109
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$60,947
−HK$1,868/mo
Today · 4.125%
HK$62,815
baseline
▲ 0.50% · 4.625%
HK$66,638
+HK$3,823/mo
Deposit HK$8.64M · loan HK$12.96M · min. income ≈ HK$125,630/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$910,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,758
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$67,522
−HK$1,789/mo
Today · 4.125%
HK$69,311
baseline
▲ 0.50% · 4.625%
HK$72,964
+HK$3,653/mo
Deposit HK$8.64M · loan HK$12.96M · min. income ≈ HK$138,622/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$910,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,960
−HK$4,325/mo
▼ 0.25% · 3.875%
HK$71,105
−HK$2,180/mo
Today · 4.125%
HK$73,285
baseline
▲ 0.50% · 4.625%
HK$77,744
+HK$4,459/mo
Deposit HK$6.48M · loan HK$15.12M · min. income ≈ HK$146,570/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$910,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,718
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$78,775
−HK$2,087/mo
Today · 4.125%
HK$80,862
baseline
▲ 0.50% · 4.625%
HK$85,125
+HK$4,263/mo
Deposit HK$6.48M · loan HK$15.12M · min. income ≈ HK$161,724/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$910,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,663
−HK$5,560/mo
▼ 0.25% · 3.875%
HK$91,421
−HK$2,802/mo
Today · 4.125%
HK$94,223
baseline
▲ 0.50% · 4.625%
HK$99,956
+HK$5,733/mo
Deposit HK$2.16M · loan HK$19.44M · min. income ≈ HK$188,446/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$910,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,637
−HK$5,329/mo
▼ 0.25% · 3.875%
HK$101,282
−HK$2,684/mo
Today · 4.125%
HK$103,966
baseline
▲ 0.50% · 4.625%
HK$109,446
+HK$5,480/mo
Deposit HK$2.16M · loan HK$19.44M · min. income ≈ HK$207,932/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$910,166 · Scale 2, in force from 26 Feb 2026)