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$49,435
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$50,973
−HK$1,562/mo
Today · 4.125%
HK$52,535
baseline
▲ 0.50% · 4.625%
HK$55,732
+HK$3,197/mo
Deposit HK$10.84M · loan HK$10.84M · min. income ≈ HK$105,070/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$917,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,996
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$56,471
−HK$1,497/mo
Today · 4.125%
HK$57,968
baseline
▲ 0.50% · 4.625%
HK$61,023
+HK$3,055/mo
Deposit HK$10.84M · loan HK$10.84M · min. income ≈ HK$115,936/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$917,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,322
−HK$3,720/mo
▼ 0.25% · 3.875%
HK$61,168
−HK$1,874/mo
Today · 4.125%
HK$63,042
baseline
▲ 0.50% · 4.625%
HK$66,878
+HK$3,836/mo
Deposit HK$8.67M · loan HK$13.01M · min. income ≈ HK$126,084/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$917,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,995
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$67,765
−HK$1,796/mo
Today · 4.125%
HK$69,561
baseline
▲ 0.50% · 4.625%
HK$73,228
+HK$3,667/mo
Deposit HK$8.67M · loan HK$13.01M · min. income ≈ HK$139,122/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$917,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,209
−HK$4,340/mo
▼ 0.25% · 3.875%
HK$71,362
−HK$2,187/mo
Today · 4.125%
HK$73,549
baseline
▲ 0.50% · 4.625%
HK$78,025
+HK$4,476/mo
Deposit HK$6.50M · loan HK$15.18M · min. income ≈ HK$147,098/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$917,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,995
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$79,060
−HK$2,095/mo
Today · 4.125%
HK$81,155
baseline
▲ 0.50% · 4.625%
HK$85,432
+HK$4,277/mo
Deposit HK$6.50M · loan HK$15.18M · min. income ≈ HK$162,310/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$917,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,983
−HK$5,581/mo
▼ 0.25% · 3.875%
HK$91,751
−HK$2,813/mo
Today · 4.125%
HK$94,564
baseline
▲ 0.50% · 4.625%
HK$100,317
+HK$5,753/mo
Deposit HK$2.17M · loan HK$19.51M · min. income ≈ HK$189,128/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$917,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,993
−HK$5,349/mo
▼ 0.25% · 3.875%
HK$101,648
−HK$2,694/mo
Today · 4.125%
HK$104,342
baseline
▲ 0.50% · 4.625%
HK$109,841
+HK$5,499/mo
Deposit HK$2.17M · loan HK$19.51M · min. income ≈ HK$208,684/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$917,970 · Scale 2, in force from 26 Feb 2026)