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$49,400
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$50,936
−HK$1,561/mo
Today · 4.125%
HK$52,497
baseline
▲ 0.50% · 4.625%
HK$55,692
+HK$3,195/mo
Deposit HK$10.83M · loan HK$10.83M · min. income ≈ HK$104,994/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$916,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,957
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$56,430
−HK$1,496/mo
Today · 4.125%
HK$57,926
baseline
▲ 0.50% · 4.625%
HK$60,979
+HK$3,053/mo
Deposit HK$10.83M · loan HK$10.83M · min. income ≈ HK$115,852/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$916,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,280
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$61,123
−HK$1,874/mo
Today · 4.125%
HK$62,997
baseline
▲ 0.50% · 4.625%
HK$66,830
+HK$3,833/mo
Deposit HK$8.67M · loan HK$13.00M · min. income ≈ HK$125,994/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$916,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,948
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$67,717
−HK$1,794/mo
Today · 4.125%
HK$69,511
baseline
▲ 0.50% · 4.625%
HK$73,175
+HK$3,664/mo
Deposit HK$8.67M · loan HK$13.00M · min. income ≈ HK$139,022/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$916,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,159
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$71,311
−HK$2,185/mo
Today · 4.125%
HK$73,496
baseline
▲ 0.50% · 4.625%
HK$77,968
+HK$4,472/mo
Deposit HK$6.50M · loan HK$15.16M · min. income ≈ HK$146,992/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$916,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,939
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$79,003
−HK$2,093/mo
Today · 4.125%
HK$81,096
baseline
▲ 0.50% · 4.625%
HK$85,371
+HK$4,275/mo
Deposit HK$6.50M · loan HK$15.16M · min. income ≈ HK$162,192/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$916,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,919
−HK$5,576/mo
▼ 0.25% · 3.875%
HK$91,685
−HK$2,810/mo
Today · 4.125%
HK$94,495
baseline
▲ 0.50% · 4.625%
HK$100,245
+HK$5,750/mo
Deposit HK$2.17M · loan HK$19.50M · min. income ≈ HK$188,990/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$916,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,922
−HK$5,344/mo
▼ 0.25% · 3.875%
HK$101,575
−HK$2,691/mo
Today · 4.125%
HK$104,266
baseline
▲ 0.50% · 4.625%
HK$109,762
+HK$5,496/mo
Deposit HK$2.17M · loan HK$19.50M · min. income ≈ HK$208,532/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$916,405 · Scale 2, in force from 26 Feb 2026)