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$49,250
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$50,782
−HK$1,556/mo
Today · 4.125%
HK$52,338
baseline
▲ 0.50% · 4.625%
HK$55,523
+HK$3,185/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$104,676/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$909,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,790
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$56,260
−HK$1,490/mo
Today · 4.125%
HK$57,750
baseline
▲ 0.50% · 4.625%
HK$60,794
+HK$3,044/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$115,500/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$909,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,100
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$60,938
−HK$1,868/mo
Today · 4.125%
HK$62,806
baseline
▲ 0.50% · 4.625%
HK$66,628
+HK$3,822/mo
Deposit HK$8.64M · loan HK$12.96M · min. income ≈ HK$125,612/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$909,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,748
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$67,511
−HK$1,789/mo
Today · 4.125%
HK$69,300
baseline
▲ 0.50% · 4.625%
HK$72,953
+HK$3,653/mo
Deposit HK$8.64M · loan HK$12.96M · min. income ≈ HK$138,600/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$909,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,950
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$71,095
−HK$2,179/mo
Today · 4.125%
HK$73,274
baseline
▲ 0.50% · 4.625%
HK$77,732
+HK$4,458/mo
Deposit HK$6.48M · loan HK$15.12M · min. income ≈ HK$146,548/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$909,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,706
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$78,763
−HK$2,087/mo
Today · 4.125%
HK$80,850
baseline
▲ 0.50% · 4.625%
HK$85,112
+HK$4,262/mo
Deposit HK$6.48M · loan HK$15.12M · min. income ≈ HK$161,700/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$909,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,650
−HK$5,559/mo
▼ 0.25% · 3.875%
HK$91,408
−HK$2,801/mo
Today · 4.125%
HK$94,209
baseline
▲ 0.50% · 4.625%
HK$99,942
+HK$5,733/mo
Deposit HK$2.16M · loan HK$19.44M · min. income ≈ HK$188,418/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$909,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,622
−HK$5,329/mo
▼ 0.25% · 3.875%
HK$101,267
−HK$2,684/mo
Today · 4.125%
HK$103,951
baseline
▲ 0.50% · 4.625%
HK$109,430
+HK$5,479/mo
Deposit HK$2.16M · loan HK$19.44M · min. income ≈ HK$207,902/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$909,845 · Scale 2, in force from 26 Feb 2026)