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$49,530
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$51,071
−HK$1,565/mo
Today · 4.125%
HK$52,636
baseline
▲ 0.50% · 4.625%
HK$55,839
+HK$3,203/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$105,272/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$922,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,102
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$56,580
−HK$1,499/mo
Today · 4.125%
HK$58,079
baseline
▲ 0.50% · 4.625%
HK$61,140
+HK$3,061/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$116,158/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$922,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,436
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$61,285
−HK$1,879/mo
Today · 4.125%
HK$63,164
baseline
▲ 0.50% · 4.625%
HK$67,007
+HK$3,843/mo
Deposit HK$8.69M · loan HK$13.03M · min. income ≈ HK$126,328/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$922,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,122
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$67,896
−HK$1,799/mo
Today · 4.125%
HK$69,695
baseline
▲ 0.50% · 4.625%
HK$73,369
+HK$3,674/mo
Deposit HK$8.69M · loan HK$13.03M · min. income ≈ HK$139,390/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$922,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,343
−HK$4,348/mo
▼ 0.25% · 3.875%
HK$71,500
−HK$2,191/mo
Today · 4.125%
HK$73,691
baseline
▲ 0.50% · 4.625%
HK$78,175
+HK$4,484/mo
Deposit HK$6.52M · loan HK$15.20M · min. income ≈ HK$147,382/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$922,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,143
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$79,212
−HK$2,099/mo
Today · 4.125%
HK$81,311
baseline
▲ 0.50% · 4.625%
HK$85,597
+HK$4,286/mo
Deposit HK$6.52M · loan HK$15.20M · min. income ≈ HK$162,622/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$922,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,155
−HK$5,591/mo
▼ 0.25% · 3.875%
HK$91,928
−HK$2,818/mo
Today · 4.125%
HK$94,746
baseline
▲ 0.50% · 4.625%
HK$100,511
+HK$5,765/mo
Deposit HK$2.17M · loan HK$19.55M · min. income ≈ HK$189,492/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$922,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,184
−HK$5,358/mo
▼ 0.25% · 3.875%
HK$101,844
−HK$2,698/mo
Today · 4.125%
HK$104,542
baseline
▲ 0.50% · 4.625%
HK$110,053
+HK$5,511/mo
Deposit HK$2.17M · loan HK$19.55M · min. income ≈ HK$209,084/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$922,142 · Scale 2, in force from 26 Feb 2026)