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$49,051
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$50,577
−HK$1,550/mo
Today · 4.125%
HK$52,127
baseline
▲ 0.50% · 4.625%
HK$55,299
+HK$3,172/mo
Deposit HK$10.76M · loan HK$10.76M · min. income ≈ HK$104,254/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$901,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,569
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$56,032
−HK$1,485/mo
Today · 4.125%
HK$57,517
baseline
▲ 0.50% · 4.625%
HK$60,549
+HK$3,032/mo
Deposit HK$10.76M · loan HK$10.76M · min. income ≈ HK$115,034/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$901,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,861
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$60,692
−HK$1,861/mo
Today · 4.125%
HK$62,553
baseline
▲ 0.50% · 4.625%
HK$66,359
+HK$3,806/mo
Deposit HK$8.60M · loan HK$12.91M · min. income ≈ HK$125,106/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$901,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,483
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$67,239
−HK$1,782/mo
Today · 4.125%
HK$69,021
baseline
▲ 0.50% · 4.625%
HK$72,659
+HK$3,638/mo
Deposit HK$8.60M · loan HK$12.91M · min. income ≈ HK$138,042/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$901,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,672
−HK$4,306/mo
▼ 0.25% · 3.875%
HK$70,808
−HK$2,170/mo
Today · 4.125%
HK$72,978
baseline
▲ 0.50% · 4.625%
HK$77,418
+HK$4,440/mo
Deposit HK$6.45M · loan HK$15.06M · min. income ≈ HK$145,956/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$901,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,396
−HK$4,128/mo
▼ 0.25% · 3.875%
HK$78,445
−HK$2,079/mo
Today · 4.125%
HK$80,524
baseline
▲ 0.50% · 4.625%
HK$84,768
+HK$4,244/mo
Deposit HK$6.45M · loan HK$15.06M · min. income ≈ HK$161,048/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$901,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,292
−HK$5,537/mo
▼ 0.25% · 3.875%
HK$91,038
−HK$2,791/mo
Today · 4.125%
HK$93,829
baseline
▲ 0.50% · 4.625%
HK$99,538
+HK$5,709/mo
Deposit HK$2.15M · loan HK$19.36M · min. income ≈ HK$187,658/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$901,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,224
−HK$5,307/mo
▼ 0.25% · 3.875%
HK$100,858
−HK$2,673/mo
Today · 4.125%
HK$103,531
baseline
▲ 0.50% · 4.625%
HK$108,988
+HK$5,457/mo
Deposit HK$2.15M · loan HK$19.36M · min. income ≈ HK$207,062/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$901,125 · Scale 2, in force from 26 Feb 2026)