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$3,087/mo
▼ 0.25% · 3.875%
HK$50,764
−HK$1,556/mo
Today · 4.125%
HK$52,320
baseline
▲ 0.50% · 4.625%
HK$55,503
+HK$3,183/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$104,640/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$909,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,771
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$56,240
−HK$1,490/mo
Today · 4.125%
HK$57,730
baseline
▲ 0.50% · 4.625%
HK$60,773
+HK$3,043/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$115,460/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$909,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,079
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$60,917
−HK$1,867/mo
Today · 4.125%
HK$62,784
baseline
▲ 0.50% · 4.625%
HK$66,604
+HK$3,820/mo
Deposit HK$8.64M · loan HK$12.95M · min. income ≈ HK$125,568/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$909,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,725
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$67,488
−HK$1,788/mo
Today · 4.125%
HK$69,276
baseline
▲ 0.50% · 4.625%
HK$72,927
+HK$3,651/mo
Deposit HK$8.64M · loan HK$12.95M · min. income ≈ HK$138,552/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$909,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,926
−HK$4,322/mo
▼ 0.25% · 3.875%
HK$71,070
−HK$2,178/mo
Today · 4.125%
HK$73,248
baseline
▲ 0.50% · 4.625%
HK$77,705
+HK$4,457/mo
Deposit HK$6.48M · loan HK$15.11M · min. income ≈ HK$146,496/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$909,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,679
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$78,736
−HK$2,086/mo
Today · 4.125%
HK$80,822
baseline
▲ 0.50% · 4.625%
HK$85,082
+HK$4,260/mo
Deposit HK$6.48M · loan HK$15.11M · min. income ≈ HK$161,644/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$909,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,619
−HK$5,557/mo
▼ 0.25% · 3.875%
HK$91,375
−HK$2,801/mo
Today · 4.125%
HK$94,176
baseline
▲ 0.50% · 4.625%
HK$99,906
+HK$5,730/mo
Deposit HK$2.16M · loan HK$19.43M · min. income ≈ HK$188,352/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$909,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,587
−HK$5,327/mo
▼ 0.25% · 3.875%
HK$101,231
−HK$2,683/mo
Today · 4.125%
HK$103,914
baseline
▲ 0.50% · 4.625%
HK$109,391
+HK$5,477/mo
Deposit HK$2.16M · loan HK$19.43M · min. income ≈ HK$207,828/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$909,081 · Scale 2, in force from 26 Feb 2026)