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$49,241
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$50,772
−HK$1,557/mo
Today · 4.125%
HK$52,329
baseline
▲ 0.50% · 4.625%
HK$55,513
+HK$3,184/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$104,658/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$909,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,780
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$56,249
−HK$1,490/mo
Today · 4.125%
HK$57,739
baseline
▲ 0.50% · 4.625%
HK$60,783
+HK$3,044/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$115,478/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$909,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,089
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$60,927
−HK$1,867/mo
Today · 4.125%
HK$62,794
baseline
▲ 0.50% · 4.625%
HK$66,615
+HK$3,821/mo
Deposit HK$8.64M · loan HK$12.96M · min. income ≈ HK$125,588/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$909,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,736
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$67,499
−HK$1,788/mo
Today · 4.125%
HK$69,287
baseline
▲ 0.50% · 4.625%
HK$72,940
+HK$3,653/mo
Deposit HK$8.64M · loan HK$12.96M · min. income ≈ HK$138,574/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$909,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,937
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$71,081
−HK$2,179/mo
Today · 4.125%
HK$73,260
baseline
▲ 0.50% · 4.625%
HK$77,718
+HK$4,458/mo
Deposit HK$6.48M · loan HK$15.12M · min. income ≈ HK$146,520/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$909,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,692
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$78,749
−HK$2,086/mo
Today · 4.125%
HK$80,835
baseline
▲ 0.50% · 4.625%
HK$85,096
+HK$4,261/mo
Deposit HK$6.48M · loan HK$15.12M · min. income ≈ HK$161,670/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$909,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,633
−HK$5,559/mo
▼ 0.25% · 3.875%
HK$91,390
−HK$2,802/mo
Today · 4.125%
HK$94,192
baseline
▲ 0.50% · 4.625%
HK$99,923
+HK$5,731/mo
Deposit HK$2.16M · loan HK$19.43M · min. income ≈ HK$188,384/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$909,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,604
−HK$5,327/mo
▼ 0.25% · 3.875%
HK$101,248
−HK$2,683/mo
Today · 4.125%
HK$103,931
baseline
▲ 0.50% · 4.625%
HK$109,409
+HK$5,478/mo
Deposit HK$2.16M · loan HK$19.43M · min. income ≈ HK$207,862/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$909,442 · Scale 2, in force from 26 Feb 2026)