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$49,574
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$51,116
−HK$1,567/mo
Today · 4.125%
HK$52,683
baseline
▲ 0.50% · 4.625%
HK$55,888
+HK$3,205/mo
Deposit HK$10.87M · loan HK$10.87M · min. income ≈ HK$105,366/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$923,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,150
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$56,630
−HK$1,500/mo
Today · 4.125%
HK$58,130
baseline
▲ 0.50% · 4.625%
HK$61,194
+HK$3,064/mo
Deposit HK$10.87M · loan HK$10.87M · min. income ≈ HK$116,260/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$923,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,489
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$61,339
−HK$1,880/mo
Today · 4.125%
HK$63,219
baseline
▲ 0.50% · 4.625%
HK$67,066
+HK$3,847/mo
Deposit HK$8.70M · loan HK$13.04M · min. income ≈ HK$126,438/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$923,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,181
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$67,955
−HK$1,801/mo
Today · 4.125%
HK$69,756
baseline
▲ 0.50% · 4.625%
HK$73,433
+HK$3,677/mo
Deposit HK$8.70M · loan HK$13.04M · min. income ≈ HK$139,512/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$923,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,403
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$71,562
−HK$2,194/mo
Today · 4.125%
HK$73,756
baseline
▲ 0.50% · 4.625%
HK$78,244
+HK$4,488/mo
Deposit HK$6.52M · loan HK$15.22M · min. income ≈ HK$147,512/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$923,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,211
−HK$4,171/mo
▼ 0.25% · 3.875%
HK$79,281
−HK$2,101/mo
Today · 4.125%
HK$81,382
baseline
▲ 0.50% · 4.625%
HK$85,672
+HK$4,290/mo
Deposit HK$6.52M · loan HK$15.22M · min. income ≈ HK$162,764/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$923,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,233
−HK$5,596/mo
▼ 0.25% · 3.875%
HK$92,009
−HK$2,820/mo
Today · 4.125%
HK$94,829
baseline
▲ 0.50% · 4.625%
HK$100,599
+HK$5,770/mo
Deposit HK$2.17M · loan HK$19.57M · min. income ≈ HK$189,658/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$923,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,271
−HK$5,363/mo
▼ 0.25% · 3.875%
HK$101,933
−HK$2,701/mo
Today · 4.125%
HK$104,634
baseline
▲ 0.50% · 4.625%
HK$110,150
+HK$5,516/mo
Deposit HK$2.17M · loan HK$19.57M · min. income ≈ HK$209,268/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$923,972 · Scale 2, in force from 26 Feb 2026)