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$49,276
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$50,809
−HK$1,557/mo
Today · 4.125%
HK$52,366
baseline
▲ 0.50% · 4.625%
HK$55,552
+HK$3,186/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$104,732/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$910,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,819
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$56,289
−HK$1,492/mo
Today · 4.125%
HK$57,781
baseline
▲ 0.50% · 4.625%
HK$60,826
+HK$3,045/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$115,562/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$910,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,131
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$60,970
−HK$1,869/mo
Today · 4.125%
HK$62,839
baseline
▲ 0.50% · 4.625%
HK$66,663
+HK$3,824/mo
Deposit HK$8.64M · loan HK$12.97M · min. income ≈ HK$125,678/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$910,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,783
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$67,547
−HK$1,790/mo
Today · 4.125%
HK$69,337
baseline
▲ 0.50% · 4.625%
HK$72,992
+HK$3,655/mo
Deposit HK$8.64M · loan HK$12.97M · min. income ≈ HK$138,674/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$910,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,986
−HK$4,326/mo
▼ 0.25% · 3.875%
HK$71,132
−HK$2,180/mo
Today · 4.125%
HK$73,312
baseline
▲ 0.50% · 4.625%
HK$77,773
+HK$4,461/mo
Deposit HK$6.48M · loan HK$15.13M · min. income ≈ HK$146,624/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$910,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,747
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$78,805
−HK$2,088/mo
Today · 4.125%
HK$80,893
baseline
▲ 0.50% · 4.625%
HK$85,157
+HK$4,264/mo
Deposit HK$6.48M · loan HK$15.13M · min. income ≈ HK$161,786/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$910,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,697
−HK$5,562/mo
▼ 0.25% · 3.875%
HK$91,456
−HK$2,803/mo
Today · 4.125%
HK$94,259
baseline
▲ 0.50% · 4.625%
HK$99,994
+HK$5,735/mo
Deposit HK$2.16M · loan HK$19.45M · min. income ≈ HK$188,518/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$910,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,674
−HK$5,331/mo
▼ 0.25% · 3.875%
HK$101,321
−HK$2,684/mo
Today · 4.125%
HK$104,005
baseline
▲ 0.50% · 4.625%
HK$109,488
+HK$5,483/mo
Deposit HK$2.16M · loan HK$19.45M · min. income ≈ HK$208,010/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$910,984 · Scale 2, in force from 26 Feb 2026)