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$49,177
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$50,707
−HK$1,554/mo
Today · 4.125%
HK$52,261
baseline
▲ 0.50% · 4.625%
HK$55,441
+HK$3,180/mo
Deposit HK$10.78M · loan HK$10.78M · min. income ≈ HK$104,522/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$906,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,709
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$56,177
−HK$1,488/mo
Today · 4.125%
HK$57,665
baseline
▲ 0.50% · 4.625%
HK$60,705
+HK$3,040/mo
Deposit HK$10.78M · loan HK$10.78M · min. income ≈ HK$115,330/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$906,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,013
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$60,848
−HK$1,865/mo
Today · 4.125%
HK$62,713
baseline
▲ 0.50% · 4.625%
HK$66,529
+HK$3,816/mo
Deposit HK$8.63M · loan HK$12.94M · min. income ≈ HK$125,426/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$906,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,651
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$67,412
−HK$1,786/mo
Today · 4.125%
HK$69,198
baseline
▲ 0.50% · 4.625%
HK$72,846
+HK$3,648/mo
Deposit HK$8.63M · loan HK$12.94M · min. income ≈ HK$138,396/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$906,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,848
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$70,990
−HK$2,176/mo
Today · 4.125%
HK$73,166
baseline
▲ 0.50% · 4.625%
HK$77,618
+HK$4,452/mo
Deposit HK$6.47M · loan HK$15.10M · min. income ≈ HK$146,332/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$906,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,593
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$78,647
−HK$2,084/mo
Today · 4.125%
HK$80,731
baseline
▲ 0.50% · 4.625%
HK$84,986
+HK$4,255/mo
Deposit HK$6.47M · loan HK$15.10M · min. income ≈ HK$161,462/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$906,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,519
−HK$5,551/mo
▼ 0.25% · 3.875%
HK$91,273
−HK$2,797/mo
Today · 4.125%
HK$94,070
baseline
▲ 0.50% · 4.625%
HK$99,794
+HK$5,724/mo
Deposit HK$2.16M · loan HK$19.41M · min. income ≈ HK$188,140/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$906,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,477
−HK$5,320/mo
▼ 0.25% · 3.875%
HK$101,118
−HK$2,679/mo
Today · 4.125%
HK$103,797
baseline
▲ 0.50% · 4.625%
HK$109,268
+HK$5,471/mo
Deposit HK$2.16M · loan HK$19.41M · min. income ≈ HK$207,594/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$906,657 · Scale 2, in force from 26 Feb 2026)