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$49,064
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$50,590
−HK$1,551/mo
Today · 4.125%
HK$52,141
baseline
▲ 0.50% · 4.625%
HK$55,313
+HK$3,172/mo
Deposit HK$10.76M · loan HK$10.76M · min. income ≈ HK$104,282/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$901,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,583
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$56,047
−HK$1,485/mo
Today · 4.125%
HK$57,532
baseline
▲ 0.50% · 4.625%
HK$60,565
+HK$3,033/mo
Deposit HK$10.76M · loan HK$10.76M · min. income ≈ HK$115,064/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$901,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,877
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$60,708
−HK$1,861/mo
Today · 4.125%
HK$62,569
baseline
▲ 0.50% · 4.625%
HK$66,376
+HK$3,807/mo
Deposit HK$8.61M · loan HK$12.91M · min. income ≈ HK$125,138/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$901,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,500
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$67,256
−HK$1,782/mo
Today · 4.125%
HK$69,038
baseline
▲ 0.50% · 4.625%
HK$72,677
+HK$3,639/mo
Deposit HK$8.61M · loan HK$12.91M · min. income ≈ HK$138,076/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$901,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,689
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$70,826
−HK$2,171/mo
Today · 4.125%
HK$72,997
baseline
▲ 0.50% · 4.625%
HK$77,438
+HK$4,441/mo
Deposit HK$6.46M · loan HK$15.06M · min. income ≈ HK$145,994/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$901,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,416
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$78,466
−HK$2,079/mo
Today · 4.125%
HK$80,545
baseline
▲ 0.50% · 4.625%
HK$84,790
+HK$4,245/mo
Deposit HK$6.46M · loan HK$15.06M · min. income ≈ HK$161,090/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$901,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,315
−HK$5,538/mo
▼ 0.25% · 3.875%
HK$91,062
−HK$2,791/mo
Today · 4.125%
HK$93,853
baseline
▲ 0.50% · 4.625%
HK$99,564
+HK$5,711/mo
Deposit HK$2.15M · loan HK$19.37M · min. income ≈ HK$187,706/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$901,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,249
−HK$5,309/mo
▼ 0.25% · 3.875%
HK$100,884
−HK$2,674/mo
Today · 4.125%
HK$103,558
baseline
▲ 0.50% · 4.625%
HK$109,016
+HK$5,458/mo
Deposit HK$2.15M · loan HK$19.37M · min. income ≈ HK$207,116/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$901,680 · Scale 2, in force from 26 Feb 2026)