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$49,233
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$50,765
−HK$1,556/mo
Today · 4.125%
HK$52,321
baseline
▲ 0.50% · 4.625%
HK$55,504
+HK$3,183/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$104,642/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$909,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,771
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$56,240
−HK$1,491/mo
Today · 4.125%
HK$57,731
baseline
▲ 0.50% · 4.625%
HK$60,774
+HK$3,043/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$115,462/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$909,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,080
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$60,918
−HK$1,867/mo
Today · 4.125%
HK$62,785
baseline
▲ 0.50% · 4.625%
HK$66,605
+HK$3,820/mo
Deposit HK$8.64M · loan HK$12.95M · min. income ≈ HK$125,570/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$909,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,726
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$67,488
−HK$1,789/mo
Today · 4.125%
HK$69,277
baseline
▲ 0.50% · 4.625%
HK$72,928
+HK$3,651/mo
Deposit HK$8.64M · loan HK$12.95M · min. income ≈ HK$138,554/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$909,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,927
−HK$4,322/mo
▼ 0.25% · 3.875%
HK$71,071
−HK$2,178/mo
Today · 4.125%
HK$73,249
baseline
▲ 0.50% · 4.625%
HK$77,706
+HK$4,457/mo
Deposit HK$6.48M · loan HK$15.11M · min. income ≈ HK$146,498/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$909,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,680
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$78,737
−HK$2,086/mo
Today · 4.125%
HK$80,823
baseline
▲ 0.50% · 4.625%
HK$85,083
+HK$4,260/mo
Deposit HK$6.48M · loan HK$15.11M · min. income ≈ HK$161,646/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$909,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,620
−HK$5,557/mo
▼ 0.25% · 3.875%
HK$91,376
−HK$2,801/mo
Today · 4.125%
HK$94,177
baseline
▲ 0.50% · 4.625%
HK$99,907
+HK$5,730/mo
Deposit HK$2.16M · loan HK$19.43M · min. income ≈ HK$188,354/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$909,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,589
−HK$5,326/mo
▼ 0.25% · 3.875%
HK$101,233
−HK$2,682/mo
Today · 4.125%
HK$103,915
baseline
▲ 0.50% · 4.625%
HK$109,393
+HK$5,478/mo
Deposit HK$2.16M · loan HK$19.43M · min. income ≈ HK$207,830/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$909,110 · Scale 2, in force from 26 Feb 2026)