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$49,328
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$50,863
−HK$1,558/mo
Today · 4.125%
HK$52,421
baseline
▲ 0.50% · 4.625%
HK$55,611
+HK$3,190/mo
Deposit HK$10.82M · loan HK$10.82M · min. income ≈ HK$104,842/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$913,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,877
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$56,349
−HK$1,493/mo
Today · 4.125%
HK$57,842
baseline
▲ 0.50% · 4.625%
HK$60,891
+HK$3,049/mo
Deposit HK$10.82M · loan HK$10.82M · min. income ≈ HK$115,684/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$913,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,194
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$61,035
−HK$1,871/mo
Today · 4.125%
HK$62,906
baseline
▲ 0.50% · 4.625%
HK$66,733
+HK$3,827/mo
Deposit HK$8.65M · loan HK$12.98M · min. income ≈ HK$125,812/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$913,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,852
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$67,619
−HK$1,791/mo
Today · 4.125%
HK$69,410
baseline
▲ 0.50% · 4.625%
HK$73,069
+HK$3,659/mo
Deposit HK$8.65M · loan HK$12.98M · min. income ≈ HK$138,820/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$913,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,059
−HK$4,331/mo
▼ 0.25% · 3.875%
HK$71,208
−HK$2,182/mo
Today · 4.125%
HK$73,390
baseline
▲ 0.50% · 4.625%
HK$77,856
+HK$4,466/mo
Deposit HK$6.49M · loan HK$15.14M · min. income ≈ HK$146,780/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$913,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,828
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$78,888
−HK$2,091/mo
Today · 4.125%
HK$80,979
baseline
▲ 0.50% · 4.625%
HK$85,247
+HK$4,268/mo
Deposit HK$6.49M · loan HK$15.14M · min. income ≈ HK$161,958/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$913,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,791
−HK$5,568/mo
▼ 0.25% · 3.875%
HK$91,553
−HK$2,806/mo
Today · 4.125%
HK$94,359
baseline
▲ 0.50% · 4.625%
HK$100,100
+HK$5,741/mo
Deposit HK$2.16M · loan HK$19.47M · min. income ≈ HK$188,718/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$913,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,779
−HK$5,336/mo
▼ 0.25% · 3.875%
HK$101,428
−HK$2,687/mo
Today · 4.125%
HK$104,115
baseline
▲ 0.50% · 4.625%
HK$109,603
+HK$5,488/mo
Deposit HK$2.16M · loan HK$19.47M · min. income ≈ HK$208,230/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$913,272 · Scale 2, in force from 26 Feb 2026)