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$49,429
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$50,966
−HK$1,562/mo
Today · 4.125%
HK$52,528
baseline
▲ 0.50% · 4.625%
HK$55,725
+HK$3,197/mo
Deposit HK$10.84M · loan HK$10.84M · min. income ≈ HK$105,056/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$917,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,989
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$56,464
−HK$1,496/mo
Today · 4.125%
HK$57,960
baseline
▲ 0.50% · 4.625%
HK$61,015
+HK$3,055/mo
Deposit HK$10.84M · loan HK$10.84M · min. income ≈ HK$115,920/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$917,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,315
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$61,160
−HK$1,874/mo
Today · 4.125%
HK$63,034
baseline
▲ 0.50% · 4.625%
HK$66,870
+HK$3,836/mo
Deposit HK$8.67M · loan HK$13.01M · min. income ≈ HK$126,068/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$917,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,987
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$67,757
−HK$1,795/mo
Today · 4.125%
HK$69,552
baseline
▲ 0.50% · 4.625%
HK$73,218
+HK$3,666/mo
Deposit HK$8.67M · loan HK$13.01M · min. income ≈ HK$139,104/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$917,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,200
−HK$4,340/mo
▼ 0.25% · 3.875%
HK$71,353
−HK$2,187/mo
Today · 4.125%
HK$73,540
baseline
▲ 0.50% · 4.625%
HK$78,015
+HK$4,475/mo
Deposit HK$6.50M · loan HK$15.17M · min. income ≈ HK$147,080/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$917,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,985
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$79,049
−HK$2,095/mo
Today · 4.125%
HK$81,144
baseline
▲ 0.50% · 4.625%
HK$85,421
+HK$4,277/mo
Deposit HK$6.50M · loan HK$15.17M · min. income ≈ HK$162,288/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$917,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,972
−HK$5,579/mo
▼ 0.25% · 3.875%
HK$91,739
−HK$2,812/mo
Today · 4.125%
HK$94,551
baseline
▲ 0.50% · 4.625%
HK$100,304
+HK$5,753/mo
Deposit HK$2.17M · loan HK$19.51M · min. income ≈ HK$189,102/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$917,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,980
−HK$5,348/mo
▼ 0.25% · 3.875%
HK$101,635
−HK$2,693/mo
Today · 4.125%
HK$104,328
baseline
▲ 0.50% · 4.625%
HK$109,827
+HK$5,499/mo
Deposit HK$2.17M · loan HK$19.51M · min. income ≈ HK$208,656/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$917,688 · Scale 2, in force from 26 Feb 2026)