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$49,179
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$50,709
−HK$1,554/mo
Today · 4.125%
HK$52,263
baseline
▲ 0.50% · 4.625%
HK$55,443
+HK$3,180/mo
Deposit HK$10.78M · loan HK$10.78M · min. income ≈ HK$104,526/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$906,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,711
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$56,178
−HK$1,489/mo
Today · 4.125%
HK$57,667
baseline
▲ 0.50% · 4.625%
HK$60,707
+HK$3,040/mo
Deposit HK$10.78M · loan HK$10.78M · min. income ≈ HK$115,334/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$906,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,015
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$60,851
−HK$1,865/mo
Today · 4.125%
HK$62,716
baseline
▲ 0.50% · 4.625%
HK$66,532
+HK$3,816/mo
Deposit HK$8.63M · loan HK$12.94M · min. income ≈ HK$125,432/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$906,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,653
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$67,414
−HK$1,786/mo
Today · 4.125%
HK$69,200
baseline
▲ 0.50% · 4.625%
HK$72,848
+HK$3,648/mo
Deposit HK$8.63M · loan HK$12.94M · min. income ≈ HK$138,400/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$906,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,851
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$70,992
−HK$2,176/mo
Today · 4.125%
HK$73,168
baseline
▲ 0.50% · 4.625%
HK$77,620
+HK$4,452/mo
Deposit HK$6.47M · loan HK$15.10M · min. income ≈ HK$146,336/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$906,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,596
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$78,650
−HK$2,084/mo
Today · 4.125%
HK$80,734
baseline
▲ 0.50% · 4.625%
HK$84,989
+HK$4,255/mo
Deposit HK$6.47M · loan HK$15.10M · min. income ≈ HK$161,468/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$906,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,522
−HK$5,551/mo
▼ 0.25% · 3.875%
HK$91,276
−HK$2,797/mo
Today · 4.125%
HK$94,073
baseline
▲ 0.50% · 4.625%
HK$99,797
+HK$5,724/mo
Deposit HK$2.16M · loan HK$19.41M · min. income ≈ HK$188,146/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$906,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,480
−HK$5,321/mo
▼ 0.25% · 3.875%
HK$101,121
−HK$2,680/mo
Today · 4.125%
HK$103,801
baseline
▲ 0.50% · 4.625%
HK$109,272
+HK$5,471/mo
Deposit HK$2.16M · loan HK$19.41M · min. income ≈ HK$207,602/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$906,732 · Scale 2, in force from 26 Feb 2026)