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$49,408
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$50,945
−HK$1,561/mo
Today · 4.125%
HK$52,506
baseline
▲ 0.50% · 4.625%
HK$55,701
+HK$3,195/mo
Deposit HK$10.83M · loan HK$10.83M · min. income ≈ HK$105,012/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$916,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,966
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$56,440
−HK$1,496/mo
Today · 4.125%
HK$57,936
baseline
▲ 0.50% · 4.625%
HK$60,990
+HK$3,054/mo
Deposit HK$10.83M · loan HK$10.83M · min. income ≈ HK$115,872/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$916,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,290
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$61,134
−HK$1,874/mo
Today · 4.125%
HK$63,008
baseline
▲ 0.50% · 4.625%
HK$66,842
+HK$3,834/mo
Deposit HK$8.67M · loan HK$13.00M · min. income ≈ HK$126,016/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$916,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,959
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$67,728
−HK$1,795/mo
Today · 4.125%
HK$69,523
baseline
▲ 0.50% · 4.625%
HK$73,187
+HK$3,664/mo
Deposit HK$8.67M · loan HK$13.00M · min. income ≈ HK$139,046/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$916,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,171
−HK$4,338/mo
▼ 0.25% · 3.875%
HK$71,323
−HK$2,186/mo
Today · 4.125%
HK$73,509
baseline
▲ 0.50% · 4.625%
HK$77,982
+HK$4,473/mo
Deposit HK$6.50M · loan HK$15.17M · min. income ≈ HK$147,018/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$916,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,952
−HK$4,158/mo
▼ 0.25% · 3.875%
HK$79,016
−HK$2,094/mo
Today · 4.125%
HK$81,110
baseline
▲ 0.50% · 4.625%
HK$85,385
+HK$4,275/mo
Deposit HK$6.50M · loan HK$15.17M · min. income ≈ HK$162,220/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$916,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,935
−HK$5,577/mo
▼ 0.25% · 3.875%
HK$91,701
−HK$2,811/mo
Today · 4.125%
HK$94,512
baseline
▲ 0.50% · 4.625%
HK$100,262
+HK$5,750/mo
Deposit HK$2.17M · loan HK$19.50M · min. income ≈ HK$189,024/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$916,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,939
−HK$5,345/mo
▼ 0.25% · 3.875%
HK$101,592
−HK$2,692/mo
Today · 4.125%
HK$104,284
baseline
▲ 0.50% · 4.625%
HK$109,781
+HK$5,497/mo
Deposit HK$2.17M · loan HK$19.50M · min. income ≈ HK$208,568/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$916,778 · Scale 2, in force from 26 Feb 2026)