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$49,649
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$51,193
−HK$1,569/mo
Today · 4.125%
HK$52,762
baseline
▲ 0.50% · 4.625%
HK$55,972
+HK$3,210/mo
Deposit HK$10.89M · loan HK$10.89M · min. income ≈ HK$105,524/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$925,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,233
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$56,715
−HK$1,503/mo
Today · 4.125%
HK$58,218
baseline
▲ 0.50% · 4.625%
HK$61,286
+HK$3,068/mo
Deposit HK$10.89M · loan HK$10.89M · min. income ≈ HK$116,436/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$925,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,578
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$61,431
−HK$1,883/mo
Today · 4.125%
HK$63,314
baseline
▲ 0.50% · 4.625%
HK$67,167
+HK$3,853/mo
Deposit HK$8.71M · loan HK$13.06M · min. income ≈ HK$126,628/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$925,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,280
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$68,058
−HK$1,803/mo
Today · 4.125%
HK$69,861
baseline
▲ 0.50% · 4.625%
HK$73,544
+HK$3,683/mo
Deposit HK$8.71M · loan HK$13.06M · min. income ≈ HK$139,722/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$925,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,508
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$71,670
−HK$2,197/mo
Today · 4.125%
HK$73,867
baseline
▲ 0.50% · 4.625%
HK$78,361
+HK$4,494/mo
Deposit HK$6.53M · loan HK$15.24M · min. income ≈ HK$147,734/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$925,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,327
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$79,401
−HK$2,104/mo
Today · 4.125%
HK$81,505
baseline
▲ 0.50% · 4.625%
HK$85,801
+HK$4,296/mo
Deposit HK$6.53M · loan HK$15.24M · min. income ≈ HK$163,010/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$925,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,367
−HK$5,604/mo
▼ 0.25% · 3.875%
HK$92,147
−HK$2,824/mo
Today · 4.125%
HK$94,971
baseline
▲ 0.50% · 4.625%
HK$100,750
+HK$5,779/mo
Deposit HK$2.18M · loan HK$19.60M · min. income ≈ HK$189,942/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,420
−HK$5,372/mo
▼ 0.25% · 3.875%
HK$102,087
−HK$2,705/mo
Today · 4.125%
HK$104,792
baseline
▲ 0.50% · 4.625%
HK$110,315
+HK$5,523/mo
Deposit HK$2.18M · loan HK$19.60M · min. income ≈ HK$209,584/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,362 · Scale 2, in force from 26 Feb 2026)