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$49,419
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$50,956
−HK$1,562/mo
Today · 4.125%
HK$52,518
baseline
▲ 0.50% · 4.625%
HK$55,713
+HK$3,195/mo
Deposit HK$10.84M · loan HK$10.84M · min. income ≈ HK$105,036/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$917,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,978
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$56,452
−HK$1,496/mo
Today · 4.125%
HK$57,948
baseline
▲ 0.50% · 4.625%
HK$61,003
+HK$3,055/mo
Deposit HK$10.84M · loan HK$10.84M · min. income ≈ HK$115,896/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$917,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,302
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$61,147
−HK$1,874/mo
Today · 4.125%
HK$63,021
baseline
▲ 0.50% · 4.625%
HK$66,856
+HK$3,835/mo
Deposit HK$8.67M · loan HK$13.00M · min. income ≈ HK$126,042/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$917,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,973
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$67,743
−HK$1,795/mo
Today · 4.125%
HK$69,538
baseline
▲ 0.50% · 4.625%
HK$73,203
+HK$3,665/mo
Deposit HK$8.67M · loan HK$13.00M · min. income ≈ HK$139,076/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$917,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,186
−HK$4,339/mo
▼ 0.25% · 3.875%
HK$71,338
−HK$2,187/mo
Today · 4.125%
HK$73,525
baseline
▲ 0.50% · 4.625%
HK$77,999
+HK$4,474/mo
Deposit HK$6.50M · loan HK$15.17M · min. income ≈ HK$147,050/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$917,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,969
−HK$4,158/mo
▼ 0.25% · 3.875%
HK$79,033
−HK$2,094/mo
Today · 4.125%
HK$81,127
baseline
▲ 0.50% · 4.625%
HK$85,404
+HK$4,277/mo
Deposit HK$6.50M · loan HK$15.17M · min. income ≈ HK$162,254/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$917,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,954
−HK$5,578/mo
▼ 0.25% · 3.875%
HK$91,721
−HK$2,811/mo
Today · 4.125%
HK$94,532
baseline
▲ 0.50% · 4.625%
HK$100,284
+HK$5,752/mo
Deposit HK$2.17M · loan HK$19.51M · min. income ≈ HK$189,064/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$917,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,960
−HK$5,347/mo
▼ 0.25% · 3.875%
HK$101,614
−HK$2,693/mo
Today · 4.125%
HK$104,307
baseline
▲ 0.50% · 4.625%
HK$109,805
+HK$5,498/mo
Deposit HK$2.17M · loan HK$19.51M · min. income ≈ HK$208,614/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$917,244 · Scale 2, in force from 26 Feb 2026)