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$49,254
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$50,786
−HK$1,556/mo
Today · 4.125%
HK$52,342
baseline
▲ 0.50% · 4.625%
HK$55,527
+HK$3,185/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$104,684/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$910,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,794
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$56,264
−HK$1,491/mo
Today · 4.125%
HK$57,755
baseline
▲ 0.50% · 4.625%
HK$60,799
+HK$3,044/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$115,510/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$910,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,104
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$60,943
−HK$1,868/mo
Today · 4.125%
HK$62,811
baseline
▲ 0.50% · 4.625%
HK$66,633
+HK$3,822/mo
Deposit HK$8.64M · loan HK$12.96M · min. income ≈ HK$125,622/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$910,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,753
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$67,517
−HK$1,789/mo
Today · 4.125%
HK$69,306
baseline
▲ 0.50% · 4.625%
HK$72,959
+HK$3,653/mo
Deposit HK$8.64M · loan HK$12.96M · min. income ≈ HK$138,612/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$910,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,955
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$71,100
−HK$2,179/mo
Today · 4.125%
HK$73,279
baseline
▲ 0.50% · 4.625%
HK$77,738
+HK$4,459/mo
Deposit HK$6.48M · loan HK$15.12M · min. income ≈ HK$146,558/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$910,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,712
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$78,769
−HK$2,087/mo
Today · 4.125%
HK$80,856
baseline
▲ 0.50% · 4.625%
HK$85,119
+HK$4,263/mo
Deposit HK$6.48M · loan HK$15.12M · min. income ≈ HK$161,712/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$910,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,657
−HK$5,559/mo
▼ 0.25% · 3.875%
HK$91,414
−HK$2,802/mo
Today · 4.125%
HK$94,216
baseline
▲ 0.50% · 4.625%
HK$99,949
+HK$5,733/mo
Deposit HK$2.16M · loan HK$19.44M · min. income ≈ HK$188,432/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$910,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,630
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$101,275
−HK$2,683/mo
Today · 4.125%
HK$103,958
baseline
▲ 0.50% · 4.625%
HK$109,438
+HK$5,480/mo
Deposit HK$2.16M · loan HK$19.44M · min. income ≈ HK$207,916/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$910,008 · Scale 2, in force from 26 Feb 2026)