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$49,421
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$50,958
−HK$1,562/mo
Today · 4.125%
HK$52,520
baseline
▲ 0.50% · 4.625%
HK$55,716
+HK$3,196/mo
Deposit HK$10.84M · loan HK$10.84M · min. income ≈ HK$105,040/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$917,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,981
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$56,455
−HK$1,496/mo
Today · 4.125%
HK$57,951
baseline
▲ 0.50% · 4.625%
HK$61,006
+HK$3,055/mo
Deposit HK$10.84M · loan HK$10.84M · min. income ≈ HK$115,902/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$917,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,305
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$61,150
−HK$1,874/mo
Today · 4.125%
HK$63,024
baseline
▲ 0.50% · 4.625%
HK$66,859
+HK$3,835/mo
Deposit HK$8.67M · loan HK$13.00M · min. income ≈ HK$126,048/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$917,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,977
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$67,746
−HK$1,795/mo
Today · 4.125%
HK$69,541
baseline
▲ 0.50% · 4.625%
HK$73,207
+HK$3,666/mo
Deposit HK$8.67M · loan HK$13.00M · min. income ≈ HK$139,082/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$917,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,190
−HK$4,338/mo
▼ 0.25% · 3.875%
HK$71,342
−HK$2,186/mo
Today · 4.125%
HK$73,528
baseline
▲ 0.50% · 4.625%
HK$78,002
+HK$4,474/mo
Deposit HK$6.50M · loan HK$15.17M · min. income ≈ HK$147,056/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$917,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,973
−HK$4,158/mo
▼ 0.25% · 3.875%
HK$79,037
−HK$2,094/mo
Today · 4.125%
HK$81,131
baseline
▲ 0.50% · 4.625%
HK$85,408
+HK$4,277/mo
Deposit HK$6.50M · loan HK$15.17M · min. income ≈ HK$162,262/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$917,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,958
−HK$5,578/mo
▼ 0.25% · 3.875%
HK$91,725
−HK$2,811/mo
Today · 4.125%
HK$94,536
baseline
▲ 0.50% · 4.625%
HK$100,289
+HK$5,753/mo
Deposit HK$2.17M · loan HK$19.51M · min. income ≈ HK$189,072/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$917,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,965
−HK$5,347/mo
▼ 0.25% · 3.875%
HK$101,619
−HK$2,693/mo
Today · 4.125%
HK$104,312
baseline
▲ 0.50% · 4.625%
HK$109,810
+HK$5,498/mo
Deposit HK$2.17M · loan HK$19.51M · min. income ≈ HK$208,624/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$917,350 · Scale 2, in force from 26 Feb 2026)