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$49,269
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$50,801
−HK$1,557/mo
Today · 4.125%
HK$52,358
baseline
▲ 0.50% · 4.625%
HK$55,544
+HK$3,186/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$104,716/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$910,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,811
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$56,281
−HK$1,491/mo
Today · 4.125%
HK$57,772
baseline
▲ 0.50% · 4.625%
HK$60,817
+HK$3,045/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$115,544/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$910,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,122
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$60,961
−HK$1,869/mo
Today · 4.125%
HK$62,830
baseline
▲ 0.50% · 4.625%
HK$66,653
+HK$3,823/mo
Deposit HK$8.64M · loan HK$12.96M · min. income ≈ HK$125,660/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$910,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,773
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$67,537
−HK$1,789/mo
Today · 4.125%
HK$69,326
baseline
▲ 0.50% · 4.625%
HK$72,981
+HK$3,655/mo
Deposit HK$8.64M · loan HK$12.96M · min. income ≈ HK$138,652/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$910,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,976
−HK$4,325/mo
▼ 0.25% · 3.875%
HK$71,121
−HK$2,180/mo
Today · 4.125%
HK$73,301
baseline
▲ 0.50% · 4.625%
HK$77,762
+HK$4,461/mo
Deposit HK$6.48M · loan HK$15.12M · min. income ≈ HK$146,602/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$910,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,735
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$78,793
−HK$2,088/mo
Today · 4.125%
HK$80,881
baseline
▲ 0.50% · 4.625%
HK$85,144
+HK$4,263/mo
Deposit HK$6.48M · loan HK$15.12M · min. income ≈ HK$161,762/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$910,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,683
−HK$5,562/mo
▼ 0.25% · 3.875%
HK$91,442
−HK$2,803/mo
Today · 4.125%
HK$94,245
baseline
▲ 0.50% · 4.625%
HK$99,979
+HK$5,734/mo
Deposit HK$2.16M · loan HK$19.45M · min. income ≈ HK$188,490/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$910,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,659
−HK$5,331/mo
▼ 0.25% · 3.875%
HK$101,305
−HK$2,685/mo
Today · 4.125%
HK$103,990
baseline
▲ 0.50% · 4.625%
HK$109,471
+HK$5,481/mo
Deposit HK$2.16M · loan HK$19.45M · min. income ≈ HK$207,980/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$910,658 · Scale 2, in force from 26 Feb 2026)