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$49,674
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$51,219
−HK$1,570/mo
Today · 4.125%
HK$52,789
baseline
▲ 0.50% · 4.625%
HK$56,001
+HK$3,212/mo
Deposit HK$10.89M · loan HK$10.89M · min. income ≈ HK$105,578/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$925,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,262
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$56,744
−HK$1,503/mo
Today · 4.125%
HK$58,247
baseline
▲ 0.50% · 4.625%
HK$61,318
+HK$3,071/mo
Deposit HK$10.89M · loan HK$10.89M · min. income ≈ HK$116,494/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$925,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,609
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$61,463
−HK$1,884/mo
Today · 4.125%
HK$63,347
baseline
▲ 0.50% · 4.625%
HK$67,201
+HK$3,854/mo
Deposit HK$8.71M · loan HK$13.07M · min. income ≈ HK$126,694/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$925,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,314
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$68,092
−HK$1,805/mo
Today · 4.125%
HK$69,897
baseline
▲ 0.50% · 4.625%
HK$73,581
+HK$3,684/mo
Deposit HK$8.71M · loan HK$13.07M · min. income ≈ HK$139,794/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$925,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,543
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$71,707
−HK$2,197/mo
Today · 4.125%
HK$73,904
baseline
▲ 0.50% · 4.625%
HK$78,401
+HK$4,497/mo
Deposit HK$6.54M · loan HK$15.25M · min. income ≈ HK$147,808/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$925,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,366
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$79,441
−HK$2,105/mo
Today · 4.125%
HK$81,546
baseline
▲ 0.50% · 4.625%
HK$85,845
+HK$4,299/mo
Deposit HK$6.54M · loan HK$15.25M · min. income ≈ HK$163,092/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$925,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,413
−HK$5,607/mo
▼ 0.25% · 3.875%
HK$92,194
−HK$2,826/mo
Today · 4.125%
HK$95,020
baseline
▲ 0.50% · 4.625%
HK$100,802
+HK$5,782/mo
Deposit HK$2.18M · loan HK$19.61M · min. income ≈ HK$190,040/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,471
−HK$5,374/mo
▼ 0.25% · 3.875%
HK$102,139
−HK$2,706/mo
Today · 4.125%
HK$104,845
baseline
▲ 0.50% · 4.625%
HK$110,372
+HK$5,527/mo
Deposit HK$2.18M · loan HK$19.61M · min. income ≈ HK$209,690/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,834 · Scale 2, in force from 26 Feb 2026)