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$49,385
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$50,921
−HK$1,561/mo
Today · 4.125%
HK$52,482
baseline
▲ 0.50% · 4.625%
HK$55,675
+HK$3,193/mo
Deposit HK$10.83M · loan HK$10.83M · min. income ≈ HK$104,964/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$915,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,940
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$56,413
−HK$1,495/mo
Today · 4.125%
HK$57,908
baseline
▲ 0.50% · 4.625%
HK$60,961
+HK$3,053/mo
Deposit HK$10.83M · loan HK$10.83M · min. income ≈ HK$115,816/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$915,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,262
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$61,105
−HK$1,873/mo
Today · 4.125%
HK$62,978
baseline
▲ 0.50% · 4.625%
HK$66,810
+HK$3,832/mo
Deposit HK$8.66M · loan HK$12.99M · min. income ≈ HK$125,956/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$915,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,928
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$67,696
−HK$1,794/mo
Today · 4.125%
HK$69,490
baseline
▲ 0.50% · 4.625%
HK$73,153
+HK$3,663/mo
Deposit HK$8.66M · loan HK$12.99M · min. income ≈ HK$138,980/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$915,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,139
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$71,289
−HK$2,185/mo
Today · 4.125%
HK$73,474
baseline
▲ 0.50% · 4.625%
HK$77,945
+HK$4,471/mo
Deposit HK$6.50M · loan HK$15.16M · min. income ≈ HK$146,948/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$915,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,916
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$78,979
−HK$2,093/mo
Today · 4.125%
HK$81,072
baseline
▲ 0.50% · 4.625%
HK$85,345
+HK$4,273/mo
Deposit HK$6.50M · loan HK$15.16M · min. income ≈ HK$162,144/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$915,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,892
−HK$5,575/mo
▼ 0.25% · 3.875%
HK$91,658
−HK$2,809/mo
Today · 4.125%
HK$94,467
baseline
▲ 0.50% · 4.625%
HK$100,215
+HK$5,748/mo
Deposit HK$2.17M · loan HK$19.49M · min. income ≈ HK$188,934/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$915,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,892
−HK$5,343/mo
▼ 0.25% · 3.875%
HK$101,544
−HK$2,691/mo
Today · 4.125%
HK$104,235
baseline
▲ 0.50% · 4.625%
HK$109,729
+HK$5,494/mo
Deposit HK$2.17M · loan HK$19.49M · min. income ≈ HK$208,470/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$915,752 · Scale 2, in force from 26 Feb 2026)