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$49,053
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$50,579
−HK$1,550/mo
Today · 4.125%
HK$52,129
baseline
▲ 0.50% · 4.625%
HK$55,301
+HK$3,172/mo
Deposit HK$10.76M · loan HK$10.76M · min. income ≈ HK$104,258/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$901,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,571
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$56,034
−HK$1,485/mo
Today · 4.125%
HK$57,519
baseline
▲ 0.50% · 4.625%
HK$60,551
+HK$3,032/mo
Deposit HK$10.76M · loan HK$10.76M · min. income ≈ HK$115,038/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$901,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,864
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$60,695
−HK$1,860/mo
Today · 4.125%
HK$62,555
baseline
▲ 0.50% · 4.625%
HK$66,361
+HK$3,806/mo
Deposit HK$8.60M · loan HK$12.91M · min. income ≈ HK$125,110/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$901,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,485
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$67,241
−HK$1,782/mo
Today · 4.125%
HK$69,023
baseline
▲ 0.50% · 4.625%
HK$72,661
+HK$3,638/mo
Deposit HK$8.60M · loan HK$12.91M · min. income ≈ HK$138,046/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$901,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,674
−HK$4,307/mo
▼ 0.25% · 3.875%
HK$70,810
−HK$2,171/mo
Today · 4.125%
HK$72,981
baseline
▲ 0.50% · 4.625%
HK$77,421
+HK$4,440/mo
Deposit HK$6.45M · loan HK$15.06M · min. income ≈ HK$145,962/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$901,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,399
−HK$4,128/mo
▼ 0.25% · 3.875%
HK$78,448
−HK$2,079/mo
Today · 4.125%
HK$80,527
baseline
▲ 0.50% · 4.625%
HK$84,772
+HK$4,245/mo
Deposit HK$6.45M · loan HK$15.06M · min. income ≈ HK$161,054/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$901,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,295
−HK$5,537/mo
▼ 0.25% · 3.875%
HK$91,042
−HK$2,790/mo
Today · 4.125%
HK$93,832
baseline
▲ 0.50% · 4.625%
HK$99,542
+HK$5,710/mo
Deposit HK$2.15M · loan HK$19.36M · min. income ≈ HK$187,664/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$901,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,228
−HK$5,307/mo
▼ 0.25% · 3.875%
HK$100,862
−HK$2,673/mo
Today · 4.125%
HK$103,535
baseline
▲ 0.50% · 4.625%
HK$108,992
+HK$5,457/mo
Deposit HK$2.15M · loan HK$19.36M · min. income ≈ HK$207,070/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$901,203 · Scale 2, in force from 26 Feb 2026)