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$49,294
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$50,827
−HK$1,558/mo
Today · 4.125%
HK$52,385
baseline
▲ 0.50% · 4.625%
HK$55,572
+HK$3,187/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$104,770/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$911,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,839
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$56,309
−HK$1,492/mo
Today · 4.125%
HK$57,801
baseline
▲ 0.50% · 4.625%
HK$60,848
+HK$3,047/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$115,602/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$911,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,152
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$60,992
−HK$1,870/mo
Today · 4.125%
HK$62,862
baseline
▲ 0.50% · 4.625%
HK$66,687
+HK$3,825/mo
Deposit HK$8.65M · loan HK$12.97M · min. income ≈ HK$125,724/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$911,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,806
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$67,571
−HK$1,791/mo
Today · 4.125%
HK$69,362
baseline
▲ 0.50% · 4.625%
HK$73,018
+HK$3,656/mo
Deposit HK$8.65M · loan HK$12.97M · min. income ≈ HK$138,724/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$911,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,011
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$71,158
−HK$2,181/mo
Today · 4.125%
HK$73,339
baseline
▲ 0.50% · 4.625%
HK$77,801
+HK$4,462/mo
Deposit HK$6.49M · loan HK$15.13M · min. income ≈ HK$146,678/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$911,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,774
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$78,833
−HK$2,089/mo
Today · 4.125%
HK$80,922
baseline
▲ 0.50% · 4.625%
HK$85,188
+HK$4,266/mo
Deposit HK$6.49M · loan HK$15.13M · min. income ≈ HK$161,844/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$911,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,729
−HK$5,564/mo
▼ 0.25% · 3.875%
HK$91,489
−HK$2,804/mo
Today · 4.125%
HK$94,293
baseline
▲ 0.50% · 4.625%
HK$100,030
+HK$5,737/mo
Deposit HK$2.16M · loan HK$19.46M · min. income ≈ HK$188,586/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$911,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,710
−HK$5,333/mo
▼ 0.25% · 3.875%
HK$101,357
−HK$2,686/mo
Today · 4.125%
HK$104,043
baseline
▲ 0.50% · 4.625%
HK$109,527
+HK$5,484/mo
Deposit HK$2.16M · loan HK$19.46M · min. income ≈ HK$208,086/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$911,759 · Scale 2, in force from 26 Feb 2026)