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$49,258
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$50,791
−HK$1,556/mo
Today · 4.125%
HK$52,347
baseline
▲ 0.50% · 4.625%
HK$55,533
+HK$3,186/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$104,694/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$910,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,800
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$56,269
−HK$1,491/mo
Today · 4.125%
HK$57,760
baseline
▲ 0.50% · 4.625%
HK$60,805
+HK$3,045/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$115,520/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$910,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,110
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$60,949
−HK$1,868/mo
Today · 4.125%
HK$62,817
baseline
▲ 0.50% · 4.625%
HK$66,639
+HK$3,822/mo
Deposit HK$8.64M · loan HK$12.96M · min. income ≈ HK$125,634/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$910,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,759
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$67,523
−HK$1,789/mo
Today · 4.125%
HK$69,312
baseline
▲ 0.50% · 4.625%
HK$72,966
+HK$3,654/mo
Deposit HK$8.64M · loan HK$12.96M · min. income ≈ HK$138,624/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$910,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,962
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$71,107
−HK$2,179/mo
Today · 4.125%
HK$73,286
baseline
▲ 0.50% · 4.625%
HK$77,746
+HK$4,460/mo
Deposit HK$6.48M · loan HK$15.12M · min. income ≈ HK$146,572/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$910,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,719
−HK$4,145/mo
▼ 0.25% · 3.875%
HK$78,777
−HK$2,087/mo
Today · 4.125%
HK$80,864
baseline
▲ 0.50% · 4.625%
HK$85,127
+HK$4,263/mo
Deposit HK$6.48M · loan HK$15.12M · min. income ≈ HK$161,728/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$910,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,665
−HK$5,560/mo
▼ 0.25% · 3.875%
HK$91,423
−HK$2,802/mo
Today · 4.125%
HK$94,225
baseline
▲ 0.50% · 4.625%
HK$99,959
+HK$5,734/mo
Deposit HK$2.16M · loan HK$19.44M · min. income ≈ HK$188,450/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$910,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,639
−HK$5,329/mo
▼ 0.25% · 3.875%
HK$101,285
−HK$2,683/mo
Today · 4.125%
HK$103,968
baseline
▲ 0.50% · 4.625%
HK$109,449
+HK$5,481/mo
Deposit HK$2.16M · loan HK$19.44M · min. income ≈ HK$207,936/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$910,218 · Scale 2, in force from 26 Feb 2026)