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$49,376
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$50,911
−HK$1,561/mo
Today · 4.125%
HK$52,472
baseline
▲ 0.50% · 4.625%
HK$55,665
+HK$3,193/mo
Deposit HK$10.83M · loan HK$10.83M · min. income ≈ HK$104,944/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$915,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,930
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$56,403
−HK$1,495/mo
Today · 4.125%
HK$57,898
baseline
▲ 0.50% · 4.625%
HK$60,949
+HK$3,051/mo
Deposit HK$10.83M · loan HK$10.83M · min. income ≈ HK$115,796/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$915,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,251
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$61,094
−HK$1,872/mo
Today · 4.125%
HK$62,966
baseline
▲ 0.50% · 4.625%
HK$66,798
+HK$3,832/mo
Deposit HK$8.66M · loan HK$12.99M · min. income ≈ HK$125,932/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$915,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,916
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$67,684
−HK$1,793/mo
Today · 4.125%
HK$69,477
baseline
▲ 0.50% · 4.625%
HK$73,139
+HK$3,662/mo
Deposit HK$8.66M · loan HK$12.99M · min. income ≈ HK$138,954/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$915,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,126
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$71,276
−HK$2,185/mo
Today · 4.125%
HK$73,461
baseline
▲ 0.50% · 4.625%
HK$77,931
+HK$4,470/mo
Deposit HK$6.50M · loan HK$15.16M · min. income ≈ HK$146,922/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$915,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,902
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$78,964
−HK$2,093/mo
Today · 4.125%
HK$81,057
baseline
▲ 0.50% · 4.625%
HK$85,329
+HK$4,272/mo
Deposit HK$6.50M · loan HK$15.16M · min. income ≈ HK$162,114/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$915,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,876
−HK$5,573/mo
▼ 0.25% · 3.875%
HK$91,641
−HK$2,808/mo
Today · 4.125%
HK$94,449
baseline
▲ 0.50% · 4.625%
HK$100,196
+HK$5,747/mo
Deposit HK$2.17M · loan HK$19.49M · min. income ≈ HK$188,898/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$915,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,874
−HK$5,342/mo
▼ 0.25% · 3.875%
HK$101,526
−HK$2,690/mo
Today · 4.125%
HK$104,216
baseline
▲ 0.50% · 4.625%
HK$109,709
+HK$5,493/mo
Deposit HK$2.17M · loan HK$19.49M · min. income ≈ HK$208,432/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$915,354 · Scale 2, in force from 26 Feb 2026)