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$49,247
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$50,779
−HK$1,556/mo
Today · 4.125%
HK$52,335
baseline
▲ 0.50% · 4.625%
HK$55,520
+HK$3,185/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$104,670/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$909,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,787
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$56,256
−HK$1,491/mo
Today · 4.125%
HK$57,747
baseline
▲ 0.50% · 4.625%
HK$60,791
+HK$3,044/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$115,494/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$909,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,097
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$60,935
−HK$1,868/mo
Today · 4.125%
HK$62,803
baseline
▲ 0.50% · 4.625%
HK$66,624
+HK$3,821/mo
Deposit HK$8.64M · loan HK$12.96M · min. income ≈ HK$125,606/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$909,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,744
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$67,508
−HK$1,788/mo
Today · 4.125%
HK$69,296
baseline
▲ 0.50% · 4.625%
HK$72,949
+HK$3,653/mo
Deposit HK$8.64M · loan HK$12.96M · min. income ≈ HK$138,592/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$909,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,946
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$71,091
−HK$2,179/mo
Today · 4.125%
HK$73,270
baseline
▲ 0.50% · 4.625%
HK$77,728
+HK$4,458/mo
Deposit HK$6.48M · loan HK$15.12M · min. income ≈ HK$146,540/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$909,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,702
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$78,759
−HK$2,087/mo
Today · 4.125%
HK$80,846
baseline
▲ 0.50% · 4.625%
HK$85,107
+HK$4,261/mo
Deposit HK$6.48M · loan HK$15.12M · min. income ≈ HK$161,692/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$909,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,645
−HK$5,559/mo
▼ 0.25% · 3.875%
HK$91,402
−HK$2,802/mo
Today · 4.125%
HK$94,204
baseline
▲ 0.50% · 4.625%
HK$99,936
+HK$5,732/mo
Deposit HK$2.16M · loan HK$19.44M · min. income ≈ HK$188,408/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$909,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,617
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$101,262
−HK$2,683/mo
Today · 4.125%
HK$103,945
baseline
▲ 0.50% · 4.625%
HK$109,424
+HK$5,479/mo
Deposit HK$2.16M · loan HK$19.44M · min. income ≈ HK$207,890/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$909,724 · Scale 2, in force from 26 Feb 2026)