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$49,387
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$50,923
−HK$1,561/mo
Today · 4.125%
HK$52,484
baseline
▲ 0.50% · 4.625%
HK$55,677
+HK$3,193/mo
Deposit HK$10.83M · loan HK$10.83M · min. income ≈ HK$104,968/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$915,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,942
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$56,416
−HK$1,495/mo
Today · 4.125%
HK$57,911
baseline
▲ 0.50% · 4.625%
HK$60,963
+HK$3,052/mo
Deposit HK$10.83M · loan HK$10.83M · min. income ≈ HK$115,822/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$915,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,264
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$61,108
−HK$1,872/mo
Today · 4.125%
HK$62,980
baseline
▲ 0.50% · 4.625%
HK$66,813
+HK$3,833/mo
Deposit HK$8.66M · loan HK$13.00M · min. income ≈ HK$125,960/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$915,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,931
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$67,699
−HK$1,794/mo
Today · 4.125%
HK$69,493
baseline
▲ 0.50% · 4.625%
HK$73,156
+HK$3,663/mo
Deposit HK$8.66M · loan HK$13.00M · min. income ≈ HK$138,986/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$915,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,141
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$71,292
−HK$2,185/mo
Today · 4.125%
HK$73,477
baseline
▲ 0.50% · 4.625%
HK$77,948
+HK$4,471/mo
Deposit HK$6.50M · loan HK$15.16M · min. income ≈ HK$146,954/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$915,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,919
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$78,982
−HK$2,093/mo
Today · 4.125%
HK$81,075
baseline
▲ 0.50% · 4.625%
HK$85,348
+HK$4,273/mo
Deposit HK$6.50M · loan HK$15.16M · min. income ≈ HK$162,150/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$915,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,896
−HK$5,575/mo
▼ 0.25% · 3.875%
HK$91,661
−HK$2,810/mo
Today · 4.125%
HK$94,471
baseline
▲ 0.50% · 4.625%
HK$100,219
+HK$5,748/mo
Deposit HK$2.17M · loan HK$19.49M · min. income ≈ HK$188,942/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$915,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,896
−HK$5,343/mo
▼ 0.25% · 3.875%
HK$101,548
−HK$2,691/mo
Today · 4.125%
HK$104,239
baseline
▲ 0.50% · 4.625%
HK$109,734
+HK$5,495/mo
Deposit HK$2.17M · loan HK$19.49M · min. income ≈ HK$208,478/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$915,841 · Scale 2, in force from 26 Feb 2026)