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$49,382
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$50,918
−HK$1,561/mo
Today · 4.125%
HK$52,479
baseline
▲ 0.50% · 4.625%
HK$55,672
+HK$3,193/mo
Deposit HK$10.83M · loan HK$10.83M · min. income ≈ HK$104,958/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$915,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,937
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$56,410
−HK$1,495/mo
Today · 4.125%
HK$57,905
baseline
▲ 0.50% · 4.625%
HK$60,957
+HK$3,052/mo
Deposit HK$10.83M · loan HK$10.83M · min. income ≈ HK$115,810/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$915,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,258
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$61,102
−HK$1,872/mo
Today · 4.125%
HK$62,974
baseline
▲ 0.50% · 4.625%
HK$66,806
+HK$3,832/mo
Deposit HK$8.66M · loan HK$12.99M · min. income ≈ HK$125,948/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$915,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,924
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$67,692
−HK$1,794/mo
Today · 4.125%
HK$69,486
baseline
▲ 0.50% · 4.625%
HK$73,149
+HK$3,663/mo
Deposit HK$8.66M · loan HK$12.99M · min. income ≈ HK$138,972/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$915,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,135
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$71,285
−HK$2,185/mo
Today · 4.125%
HK$73,470
baseline
▲ 0.50% · 4.625%
HK$77,941
+HK$4,471/mo
Deposit HK$6.50M · loan HK$15.16M · min. income ≈ HK$146,940/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$915,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,912
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$78,975
−HK$2,092/mo
Today · 4.125%
HK$81,067
baseline
▲ 0.50% · 4.625%
HK$85,340
+HK$4,273/mo
Deposit HK$6.50M · loan HK$15.16M · min. income ≈ HK$162,134/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$915,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,888
−HK$5,574/mo
▼ 0.25% · 3.875%
HK$91,653
−HK$2,809/mo
Today · 4.125%
HK$94,462
baseline
▲ 0.50% · 4.625%
HK$100,209
+HK$5,747/mo
Deposit HK$2.17M · loan HK$19.49M · min. income ≈ HK$188,924/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$915,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,887
−HK$5,342/mo
▼ 0.25% · 3.875%
HK$101,539
−HK$2,690/mo
Today · 4.125%
HK$104,229
baseline
▲ 0.50% · 4.625%
HK$109,723
+HK$5,494/mo
Deposit HK$2.17M · loan HK$19.49M · min. income ≈ HK$208,458/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$915,635 · Scale 2, in force from 26 Feb 2026)