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$49,056
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$50,582
−HK$1,551/mo
Today · 4.125%
HK$52,133
baseline
▲ 0.50% · 4.625%
HK$55,305
+HK$3,172/mo
Deposit HK$10.76M · loan HK$10.76M · min. income ≈ HK$104,266/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$901,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,575
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$56,038
−HK$1,485/mo
Today · 4.125%
HK$57,523
baseline
▲ 0.50% · 4.625%
HK$60,555
+HK$3,032/mo
Deposit HK$10.76M · loan HK$10.76M · min. income ≈ HK$115,046/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$901,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,868
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$60,699
−HK$1,860/mo
Today · 4.125%
HK$62,559
baseline
▲ 0.50% · 4.625%
HK$66,366
+HK$3,807/mo
Deposit HK$8.61M · loan HK$12.91M · min. income ≈ HK$125,118/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$901,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,490
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$67,246
−HK$1,782/mo
Today · 4.125%
HK$69,028
baseline
▲ 0.50% · 4.625%
HK$72,666
+HK$3,638/mo
Deposit HK$8.61M · loan HK$12.91M · min. income ≈ HK$138,056/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$901,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,679
−HK$4,307/mo
▼ 0.25% · 3.875%
HK$70,815
−HK$2,171/mo
Today · 4.125%
HK$72,986
baseline
▲ 0.50% · 4.625%
HK$77,427
+HK$4,441/mo
Deposit HK$6.45M · loan HK$15.06M · min. income ≈ HK$145,972/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$901,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,405
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$78,454
−HK$2,078/mo
Today · 4.125%
HK$80,532
baseline
▲ 0.50% · 4.625%
HK$84,777
+HK$4,245/mo
Deposit HK$6.45M · loan HK$15.06M · min. income ≈ HK$161,064/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$901,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,301
−HK$5,538/mo
▼ 0.25% · 3.875%
HK$91,048
−HK$2,791/mo
Today · 4.125%
HK$93,839
baseline
▲ 0.50% · 4.625%
HK$99,548
+HK$5,709/mo
Deposit HK$2.15M · loan HK$19.36M · min. income ≈ HK$187,678/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$901,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,234
−HK$5,308/mo
▼ 0.25% · 3.875%
HK$100,869
−HK$2,673/mo
Today · 4.125%
HK$103,542
baseline
▲ 0.50% · 4.625%
HK$108,999
+HK$5,457/mo
Deposit HK$2.15M · loan HK$19.36M · min. income ≈ HK$207,084/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$901,351 · Scale 2, in force from 26 Feb 2026)