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$49,428
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$50,965
−HK$1,562/mo
Today · 4.125%
HK$52,527
baseline
▲ 0.50% · 4.625%
HK$55,723
+HK$3,196/mo
Deposit HK$10.84M · loan HK$10.84M · min. income ≈ HK$105,054/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$917,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,988
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$56,463
−HK$1,496/mo
Today · 4.125%
HK$57,959
baseline
▲ 0.50% · 4.625%
HK$61,014
+HK$3,055/mo
Deposit HK$10.84M · loan HK$10.84M · min. income ≈ HK$115,918/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$917,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,313
−HK$3,720/mo
▼ 0.25% · 3.875%
HK$61,158
−HK$1,875/mo
Today · 4.125%
HK$63,033
baseline
▲ 0.50% · 4.625%
HK$66,868
+HK$3,835/mo
Deposit HK$8.67M · loan HK$13.01M · min. income ≈ HK$126,066/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$917,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,985
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$67,755
−HK$1,795/mo
Today · 4.125%
HK$69,550
baseline
▲ 0.50% · 4.625%
HK$73,216
+HK$3,666/mo
Deposit HK$8.67M · loan HK$13.01M · min. income ≈ HK$139,100/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$917,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,199
−HK$4,339/mo
▼ 0.25% · 3.875%
HK$71,351
−HK$2,187/mo
Today · 4.125%
HK$73,538
baseline
▲ 0.50% · 4.625%
HK$78,013
+HK$4,475/mo
Deposit HK$6.50M · loan HK$15.17M · min. income ≈ HK$147,076/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$917,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,983
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$79,048
−HK$2,094/mo
Today · 4.125%
HK$81,142
baseline
▲ 0.50% · 4.625%
HK$85,419
+HK$4,277/mo
Deposit HK$6.50M · loan HK$15.17M · min. income ≈ HK$162,284/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$917,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,970
−HK$5,579/mo
▼ 0.25% · 3.875%
HK$91,737
−HK$2,812/mo
Today · 4.125%
HK$94,549
baseline
▲ 0.50% · 4.625%
HK$100,302
+HK$5,753/mo
Deposit HK$2.17M · loan HK$19.51M · min. income ≈ HK$189,098/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$917,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,978
−HK$5,347/mo
▼ 0.25% · 3.875%
HK$101,633
−HK$2,692/mo
Today · 4.125%
HK$104,325
baseline
▲ 0.50% · 4.625%
HK$109,825
+HK$5,500/mo
Deposit HK$2.17M · loan HK$19.51M · min. income ≈ HK$208,650/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$917,637 · Scale 2, in force from 26 Feb 2026)