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$49,401
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$50,937
−HK$1,562/mo
Today · 4.125%
HK$52,499
baseline
▲ 0.50% · 4.625%
HK$55,693
+HK$3,194/mo
Deposit HK$10.83M · loan HK$10.83M · min. income ≈ HK$104,998/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$916,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,958
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$56,432
−HK$1,495/mo
Today · 4.125%
HK$57,927
baseline
▲ 0.50% · 4.625%
HK$60,980
+HK$3,053/mo
Deposit HK$10.83M · loan HK$10.83M · min. income ≈ HK$115,854/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$916,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,281
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$61,125
−HK$1,873/mo
Today · 4.125%
HK$62,998
baseline
▲ 0.50% · 4.625%
HK$66,832
+HK$3,834/mo
Deposit HK$8.67M · loan HK$13.00M · min. income ≈ HK$125,996/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$916,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,949
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$67,718
−HK$1,794/mo
Today · 4.125%
HK$69,512
baseline
▲ 0.50% · 4.625%
HK$73,176
+HK$3,664/mo
Deposit HK$8.67M · loan HK$13.00M · min. income ≈ HK$139,024/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$916,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,161
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$71,312
−HK$2,186/mo
Today · 4.125%
HK$73,498
baseline
▲ 0.50% · 4.625%
HK$77,970
+HK$4,472/mo
Deposit HK$6.50M · loan HK$15.17M · min. income ≈ HK$146,996/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$916,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,941
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$79,004
−HK$2,094/mo
Today · 4.125%
HK$81,098
baseline
▲ 0.50% · 4.625%
HK$85,372
+HK$4,274/mo
Deposit HK$6.50M · loan HK$15.17M · min. income ≈ HK$162,196/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$916,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,921
−HK$5,576/mo
▼ 0.25% · 3.875%
HK$91,687
−HK$2,810/mo
Today · 4.125%
HK$94,497
baseline
▲ 0.50% · 4.625%
HK$100,247
+HK$5,750/mo
Deposit HK$2.17M · loan HK$19.50M · min. income ≈ HK$188,994/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$916,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,924
−HK$5,344/mo
▼ 0.25% · 3.875%
HK$101,577
−HK$2,691/mo
Today · 4.125%
HK$104,268
baseline
▲ 0.50% · 4.625%
HK$109,765
+HK$5,497/mo
Deposit HK$2.17M · loan HK$19.50M · min. income ≈ HK$208,536/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$916,452 · Scale 2, in force from 26 Feb 2026)