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$49,162
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$50,691
−HK$1,554/mo
Today · 4.125%
HK$52,245
baseline
▲ 0.50% · 4.625%
HK$55,424
+HK$3,179/mo
Deposit HK$10.78M · loan HK$10.78M · min. income ≈ HK$104,490/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$905,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,692
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$56,159
−HK$1,488/mo
Today · 4.125%
HK$57,647
baseline
▲ 0.50% · 4.625%
HK$60,686
+HK$3,039/mo
Deposit HK$10.78M · loan HK$10.78M · min. income ≈ HK$115,294/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$905,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,994
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$60,829
−HK$1,865/mo
Today · 4.125%
HK$62,694
baseline
▲ 0.50% · 4.625%
HK$66,508
+HK$3,814/mo
Deposit HK$8.62M · loan HK$12.94M · min. income ≈ HK$125,388/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$905,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,631
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$67,391
−HK$1,785/mo
Today · 4.125%
HK$69,176
baseline
▲ 0.50% · 4.625%
HK$72,823
+HK$3,647/mo
Deposit HK$8.62M · loan HK$12.94M · min. income ≈ HK$138,352/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$905,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,827
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$70,968
−HK$2,175/mo
Today · 4.125%
HK$73,143
baseline
▲ 0.50% · 4.625%
HK$77,593
+HK$4,450/mo
Deposit HK$6.47M · loan HK$15.09M · min. income ≈ HK$146,286/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$905,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,569
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$78,622
−HK$2,084/mo
Today · 4.125%
HK$80,706
baseline
▲ 0.50% · 4.625%
HK$84,960
+HK$4,254/mo
Deposit HK$6.47M · loan HK$15.09M · min. income ≈ HK$161,412/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$905,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,491
−HK$5,550/mo
▼ 0.25% · 3.875%
HK$91,244
−HK$2,797/mo
Today · 4.125%
HK$94,041
baseline
▲ 0.50% · 4.625%
HK$99,763
+HK$5,722/mo
Deposit HK$2.16M · loan HK$19.40M · min. income ≈ HK$188,082/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$905,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,446
−HK$5,318/mo
▼ 0.25% · 3.875%
HK$101,086
−HK$2,678/mo
Today · 4.125%
HK$103,764
baseline
▲ 0.50% · 4.625%
HK$109,234
+HK$5,470/mo
Deposit HK$2.16M · loan HK$19.40M · min. income ≈ HK$207,528/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$905,981 · Scale 2, in force from 26 Feb 2026)