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$49,403
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$50,939
−HK$1,562/mo
Today · 4.125%
HK$52,501
baseline
▲ 0.50% · 4.625%
HK$55,695
+HK$3,194/mo
Deposit HK$10.83M · loan HK$10.83M · min. income ≈ HK$105,002/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$916,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,960
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$56,434
−HK$1,495/mo
Today · 4.125%
HK$57,929
baseline
▲ 0.50% · 4.625%
HK$60,983
+HK$3,054/mo
Deposit HK$10.83M · loan HK$10.83M · min. income ≈ HK$115,858/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$916,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,283
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$61,127
−HK$1,874/mo
Today · 4.125%
HK$63,001
baseline
▲ 0.50% · 4.625%
HK$66,834
+HK$3,833/mo
Deposit HK$8.67M · loan HK$13.00M · min. income ≈ HK$126,002/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$916,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,952
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$67,721
−HK$1,794/mo
Today · 4.125%
HK$69,515
baseline
▲ 0.50% · 4.625%
HK$73,179
+HK$3,664/mo
Deposit HK$8.67M · loan HK$13.00M · min. income ≈ HK$139,030/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$916,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,164
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$71,315
−HK$2,186/mo
Today · 4.125%
HK$73,501
baseline
▲ 0.50% · 4.625%
HK$77,973
+HK$4,472/mo
Deposit HK$6.50M · loan HK$15.17M · min. income ≈ HK$147,002/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$916,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,944
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$79,007
−HK$2,094/mo
Today · 4.125%
HK$81,101
baseline
▲ 0.50% · 4.625%
HK$85,376
+HK$4,275/mo
Deposit HK$6.50M · loan HK$15.17M · min. income ≈ HK$162,202/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$916,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,925
−HK$5,576/mo
▼ 0.25% · 3.875%
HK$91,691
−HK$2,810/mo
Today · 4.125%
HK$94,501
baseline
▲ 0.50% · 4.625%
HK$100,251
+HK$5,750/mo
Deposit HK$2.17M · loan HK$19.50M · min. income ≈ HK$189,002/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$916,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,928
−HK$5,344/mo
▼ 0.25% · 3.875%
HK$101,581
−HK$2,691/mo
Today · 4.125%
HK$104,272
baseline
▲ 0.50% · 4.625%
HK$109,769
+HK$5,497/mo
Deposit HK$2.17M · loan HK$19.50M · min. income ≈ HK$208,544/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$916,535 · Scale 2, in force from 26 Feb 2026)