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$49,420
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$50,957
−HK$1,562/mo
Today · 4.125%
HK$52,519
baseline
▲ 0.50% · 4.625%
HK$55,715
+HK$3,196/mo
Deposit HK$10.84M · loan HK$10.84M · min. income ≈ HK$105,038/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$917,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,979
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$56,454
−HK$1,496/mo
Today · 4.125%
HK$57,950
baseline
▲ 0.50% · 4.625%
HK$61,004
+HK$3,054/mo
Deposit HK$10.84M · loan HK$10.84M · min. income ≈ HK$115,900/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$917,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,304
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$61,149
−HK$1,874/mo
Today · 4.125%
HK$63,023
baseline
▲ 0.50% · 4.625%
HK$66,858
+HK$3,835/mo
Deposit HK$8.67M · loan HK$13.00M · min. income ≈ HK$126,046/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$917,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,975
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$67,745
−HK$1,795/mo
Today · 4.125%
HK$69,540
baseline
▲ 0.50% · 4.625%
HK$73,205
+HK$3,665/mo
Deposit HK$8.67M · loan HK$13.00M · min. income ≈ HK$139,080/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$917,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,188
−HK$4,339/mo
▼ 0.25% · 3.875%
HK$71,340
−HK$2,187/mo
Today · 4.125%
HK$73,527
baseline
▲ 0.50% · 4.625%
HK$78,001
+HK$4,474/mo
Deposit HK$6.50M · loan HK$15.17M · min. income ≈ HK$147,054/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$917,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,971
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$79,035
−HK$2,095/mo
Today · 4.125%
HK$81,130
baseline
▲ 0.50% · 4.625%
HK$85,406
+HK$4,276/mo
Deposit HK$6.50M · loan HK$15.17M · min. income ≈ HK$162,260/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$917,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,956
−HK$5,579/mo
▼ 0.25% · 3.875%
HK$91,723
−HK$2,812/mo
Today · 4.125%
HK$94,535
baseline
▲ 0.50% · 4.625%
HK$100,287
+HK$5,752/mo
Deposit HK$2.17M · loan HK$19.51M · min. income ≈ HK$189,070/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$917,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,963
−HK$5,347/mo
▼ 0.25% · 3.875%
HK$101,617
−HK$2,693/mo
Today · 4.125%
HK$104,310
baseline
▲ 0.50% · 4.625%
HK$109,808
+HK$5,498/mo
Deposit HK$2.17M · loan HK$19.51M · min. income ≈ HK$208,620/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$917,307 · Scale 2, in force from 26 Feb 2026)