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$49,662
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$51,207
−HK$1,569/mo
Today · 4.125%
HK$52,776
baseline
▲ 0.50% · 4.625%
HK$55,988
+HK$3,212/mo
Deposit HK$10.89M · loan HK$10.89M · min. income ≈ HK$105,552/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$925,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,249
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$56,730
−HK$1,504/mo
Today · 4.125%
HK$58,234
baseline
▲ 0.50% · 4.625%
HK$61,303
+HK$3,069/mo
Deposit HK$10.89M · loan HK$10.89M · min. income ≈ HK$116,468/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$925,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,595
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$61,448
−HK$1,884/mo
Today · 4.125%
HK$63,332
baseline
▲ 0.50% · 4.625%
HK$67,185
+HK$3,853/mo
Deposit HK$8.71M · loan HK$13.07M · min. income ≈ HK$126,664/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$925,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,298
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$68,077
−HK$1,803/mo
Today · 4.125%
HK$69,880
baseline
▲ 0.50% · 4.625%
HK$73,564
+HK$3,684/mo
Deposit HK$8.71M · loan HK$13.07M · min. income ≈ HK$139,760/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$925,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,527
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$71,690
−HK$2,197/mo
Today · 4.125%
HK$73,887
baseline
▲ 0.50% · 4.625%
HK$78,383
+HK$4,496/mo
Deposit HK$6.53M · loan HK$15.25M · min. income ≈ HK$147,774/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$925,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,348
−HK$4,179/mo
▼ 0.25% · 3.875%
HK$79,423
−HK$2,104/mo
Today · 4.125%
HK$81,527
baseline
▲ 0.50% · 4.625%
HK$85,825
+HK$4,298/mo
Deposit HK$6.53M · loan HK$15.25M · min. income ≈ HK$163,054/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$925,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,392
−HK$5,606/mo
▼ 0.25% · 3.875%
HK$92,173
−HK$2,825/mo
Today · 4.125%
HK$94,998
baseline
▲ 0.50% · 4.625%
HK$100,778
+HK$5,780/mo
Deposit HK$2.18M · loan HK$19.60M · min. income ≈ HK$189,996/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,448
−HK$5,373/mo
▼ 0.25% · 3.875%
HK$102,115
−HK$2,706/mo
Today · 4.125%
HK$104,821
baseline
▲ 0.50% · 4.625%
HK$110,346
+HK$5,525/mo
Deposit HK$2.18M · loan HK$19.60M · min. income ≈ HK$209,642/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,618 · Scale 2, in force from 26 Feb 2026)