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$49,245
−HK$3,088/mo
▼ 0.25% · 3.875%
HK$50,777
−HK$1,556/mo
Today · 4.125%
HK$52,333
baseline
▲ 0.50% · 4.625%
HK$55,518
+HK$3,185/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$104,666/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$909,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,785
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$56,254
−HK$1,491/mo
Today · 4.125%
HK$57,745
baseline
▲ 0.50% · 4.625%
HK$60,789
+HK$3,044/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$115,490/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$909,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,094
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$60,933
−HK$1,867/mo
Today · 4.125%
HK$62,800
baseline
▲ 0.50% · 4.625%
HK$66,621
+HK$3,821/mo
Deposit HK$8.64M · loan HK$12.96M · min. income ≈ HK$125,600/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$909,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,742
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$67,505
−HK$1,789/mo
Today · 4.125%
HK$69,294
baseline
▲ 0.50% · 4.625%
HK$72,946
+HK$3,652/mo
Deposit HK$8.64M · loan HK$12.96M · min. income ≈ HK$138,588/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$909,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,943
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$71,088
−HK$2,179/mo
Today · 4.125%
HK$73,267
baseline
▲ 0.50% · 4.625%
HK$77,725
+HK$4,458/mo
Deposit HK$6.48M · loan HK$15.12M · min. income ≈ HK$146,534/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$909,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,699
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$78,756
−HK$2,087/mo
Today · 4.125%
HK$80,843
baseline
▲ 0.50% · 4.625%
HK$85,104
+HK$4,261/mo
Deposit HK$6.48M · loan HK$15.12M · min. income ≈ HK$161,686/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$909,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,642
−HK$5,558/mo
▼ 0.25% · 3.875%
HK$91,399
−HK$2,801/mo
Today · 4.125%
HK$94,200
baseline
▲ 0.50% · 4.625%
HK$99,932
+HK$5,732/mo
Deposit HK$2.16M · loan HK$19.44M · min. income ≈ HK$188,400/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$909,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,613
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$101,258
−HK$2,683/mo
Today · 4.125%
HK$103,941
baseline
▲ 0.50% · 4.625%
HK$109,419
+HK$5,478/mo
Deposit HK$2.16M · loan HK$19.44M · min. income ≈ HK$207,882/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$909,639 · Scale 2, in force from 26 Feb 2026)