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$49,635
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$51,179
−HK$1,568/mo
Today · 4.125%
HK$52,747
baseline
▲ 0.50% · 4.625%
HK$55,957
+HK$3,210/mo
Deposit HK$10.88M · loan HK$10.88M · min. income ≈ HK$105,494/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$925,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,218
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$56,699
−HK$1,502/mo
Today · 4.125%
HK$58,201
baseline
▲ 0.50% · 4.625%
HK$61,269
+HK$3,068/mo
Deposit HK$10.88M · loan HK$10.88M · min. income ≈ HK$116,402/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$925,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,562
−HK$3,735/mo
▼ 0.25% · 3.875%
HK$61,414
−HK$1,883/mo
Today · 4.125%
HK$63,297
baseline
▲ 0.50% · 4.625%
HK$67,148
+HK$3,851/mo
Deposit HK$8.71M · loan HK$13.06M · min. income ≈ HK$126,594/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$925,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,262
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$68,039
−HK$1,803/mo
Today · 4.125%
HK$69,842
baseline
▲ 0.50% · 4.625%
HK$73,523
+HK$3,681/mo
Deposit HK$8.71M · loan HK$13.06M · min. income ≈ HK$139,684/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$925,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,489
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$71,650
−HK$2,196/mo
Today · 4.125%
HK$73,846
baseline
▲ 0.50% · 4.625%
HK$78,340
+HK$4,494/mo
Deposit HK$6.53M · loan HK$15.24M · min. income ≈ HK$147,692/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$925,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,305
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$79,379
−HK$2,103/mo
Today · 4.125%
HK$81,482
baseline
▲ 0.50% · 4.625%
HK$85,777
+HK$4,295/mo
Deposit HK$6.53M · loan HK$15.24M · min. income ≈ HK$162,964/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$925,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,343
−HK$5,602/mo
▼ 0.25% · 3.875%
HK$92,122
−HK$2,823/mo
Today · 4.125%
HK$94,945
baseline
▲ 0.50% · 4.625%
HK$100,722
+HK$5,777/mo
Deposit HK$2.18M · loan HK$19.59M · min. income ≈ HK$189,890/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,393
−HK$5,370/mo
▼ 0.25% · 3.875%
HK$102,058
−HK$2,705/mo
Today · 4.125%
HK$104,763
baseline
▲ 0.50% · 4.625%
HK$110,285
+HK$5,522/mo
Deposit HK$2.18M · loan HK$19.59M · min. income ≈ HK$209,526/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,105 · Scale 2, in force from 26 Feb 2026)