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$49,327
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$50,862
−HK$1,558/mo
Today · 4.125%
HK$52,420
baseline
▲ 0.50% · 4.625%
HK$55,610
+HK$3,190/mo
Deposit HK$10.82M · loan HK$10.82M · min. income ≈ HK$104,840/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$913,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,876
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$56,348
−HK$1,493/mo
Today · 4.125%
HK$57,841
baseline
▲ 0.50% · 4.625%
HK$60,890
+HK$3,049/mo
Deposit HK$10.82M · loan HK$10.82M · min. income ≈ HK$115,682/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$913,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,193
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$61,034
−HK$1,871/mo
Today · 4.125%
HK$62,905
baseline
▲ 0.50% · 4.625%
HK$66,732
+HK$3,827/mo
Deposit HK$8.65M · loan HK$12.98M · min. income ≈ HK$125,810/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$913,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,851
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$67,617
−HK$1,792/mo
Today · 4.125%
HK$69,409
baseline
▲ 0.50% · 4.625%
HK$73,068
+HK$3,659/mo
Deposit HK$8.65M · loan HK$12.98M · min. income ≈ HK$138,818/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$913,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,058
−HK$4,331/mo
▼ 0.25% · 3.875%
HK$71,206
−HK$2,183/mo
Today · 4.125%
HK$73,389
baseline
▲ 0.50% · 4.625%
HK$77,854
+HK$4,465/mo
Deposit HK$6.49M · loan HK$15.14M · min. income ≈ HK$146,778/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$913,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,826
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$78,887
−HK$2,090/mo
Today · 4.125%
HK$80,977
baseline
▲ 0.50% · 4.625%
HK$85,245
+HK$4,268/mo
Deposit HK$6.49M · loan HK$15.14M · min. income ≈ HK$161,954/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$913,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,789
−HK$5,568/mo
▼ 0.25% · 3.875%
HK$91,551
−HK$2,806/mo
Today · 4.125%
HK$94,357
baseline
▲ 0.50% · 4.625%
HK$100,098
+HK$5,741/mo
Deposit HK$2.16M · loan HK$19.47M · min. income ≈ HK$188,714/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$913,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,777
−HK$5,336/mo
▼ 0.25% · 3.875%
HK$101,426
−HK$2,687/mo
Today · 4.125%
HK$104,113
baseline
▲ 0.50% · 4.625%
HK$109,601
+HK$5,488/mo
Deposit HK$2.16M · loan HK$19.47M · min. income ≈ HK$208,226/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$913,230 · Scale 2, in force from 26 Feb 2026)