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$49,054
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$50,580
−HK$1,550/mo
Today · 4.125%
HK$52,130
baseline
▲ 0.50% · 4.625%
HK$55,302
+HK$3,172/mo
Deposit HK$10.76M · loan HK$10.76M · min. income ≈ HK$104,260/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$901,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,572
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$56,036
−HK$1,484/mo
Today · 4.125%
HK$57,520
baseline
▲ 0.50% · 4.625%
HK$60,552
+HK$3,032/mo
Deposit HK$10.76M · loan HK$10.76M · min. income ≈ HK$115,040/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$901,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,865
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$60,696
−HK$1,860/mo
Today · 4.125%
HK$62,556
baseline
▲ 0.50% · 4.625%
HK$66,362
+HK$3,806/mo
Deposit HK$8.60M · loan HK$12.91M · min. income ≈ HK$125,112/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$901,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,486
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$67,243
−HK$1,781/mo
Today · 4.125%
HK$69,024
baseline
▲ 0.50% · 4.625%
HK$72,663
+HK$3,639/mo
Deposit HK$8.60M · loan HK$12.91M · min. income ≈ HK$138,048/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$901,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,675
−HK$4,307/mo
▼ 0.25% · 3.875%
HK$70,812
−HK$2,170/mo
Today · 4.125%
HK$72,982
baseline
▲ 0.50% · 4.625%
HK$77,423
+HK$4,441/mo
Deposit HK$6.45M · loan HK$15.06M · min. income ≈ HK$145,964/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$901,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,401
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$78,450
−HK$2,078/mo
Today · 4.125%
HK$80,528
baseline
▲ 0.50% · 4.625%
HK$84,773
+HK$4,245/mo
Deposit HK$6.45M · loan HK$15.06M · min. income ≈ HK$161,056/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$901,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,297
−HK$5,537/mo
▼ 0.25% · 3.875%
HK$91,044
−HK$2,790/mo
Today · 4.125%
HK$93,834
baseline
▲ 0.50% · 4.625%
HK$99,544
+HK$5,710/mo
Deposit HK$2.15M · loan HK$19.36M · min. income ≈ HK$187,668/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$901,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,230
−HK$5,307/mo
▼ 0.25% · 3.875%
HK$100,864
−HK$2,673/mo
Today · 4.125%
HK$103,537
baseline
▲ 0.50% · 4.625%
HK$108,994
+HK$5,457/mo
Deposit HK$2.15M · loan HK$19.36M · min. income ≈ HK$207,074/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$901,245 · Scale 2, in force from 26 Feb 2026)