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$49,238
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$50,770
−HK$1,556/mo
Today · 4.125%
HK$52,326
baseline
▲ 0.50% · 4.625%
HK$55,510
+HK$3,184/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$104,652/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$909,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,777
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$56,246
−HK$1,490/mo
Today · 4.125%
HK$57,736
baseline
▲ 0.50% · 4.625%
HK$60,780
+HK$3,044/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$115,472/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$909,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,086
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$60,924
−HK$1,867/mo
Today · 4.125%
HK$62,791
baseline
▲ 0.50% · 4.625%
HK$66,612
+HK$3,821/mo
Deposit HK$8.64M · loan HK$12.96M · min. income ≈ HK$125,582/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$909,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,732
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$67,495
−HK$1,789/mo
Today · 4.125%
HK$69,284
baseline
▲ 0.50% · 4.625%
HK$72,936
+HK$3,652/mo
Deposit HK$8.64M · loan HK$12.96M · min. income ≈ HK$138,568/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$909,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,933
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$71,078
−HK$2,178/mo
Today · 4.125%
HK$73,256
baseline
▲ 0.50% · 4.625%
HK$77,714
+HK$4,458/mo
Deposit HK$6.48M · loan HK$15.12M · min. income ≈ HK$146,512/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$909,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,688
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$78,744
−HK$2,087/mo
Today · 4.125%
HK$80,831
baseline
▲ 0.50% · 4.625%
HK$85,092
+HK$4,261/mo
Deposit HK$6.48M · loan HK$15.12M · min. income ≈ HK$161,662/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$909,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,629
−HK$5,558/mo
▼ 0.25% · 3.875%
HK$91,386
−HK$2,801/mo
Today · 4.125%
HK$94,187
baseline
▲ 0.50% · 4.625%
HK$99,918
+HK$5,731/mo
Deposit HK$2.16M · loan HK$19.43M · min. income ≈ HK$188,374/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$909,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,599
−HK$5,327/mo
▼ 0.25% · 3.875%
HK$101,243
−HK$2,683/mo
Today · 4.125%
HK$103,926
baseline
▲ 0.50% · 4.625%
HK$109,404
+HK$5,478/mo
Deposit HK$2.16M · loan HK$19.43M · min. income ≈ HK$207,852/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$909,326 · Scale 2, in force from 26 Feb 2026)