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$49,624
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$51,168
−HK$1,568/mo
Today · 4.125%
HK$52,736
baseline
▲ 0.50% · 4.625%
HK$55,945
+HK$3,209/mo
Deposit HK$10.88M · loan HK$10.88M · min. income ≈ HK$105,472/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$924,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,207
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$56,687
−HK$1,502/mo
Today · 4.125%
HK$58,189
baseline
▲ 0.50% · 4.625%
HK$61,257
+HK$3,068/mo
Deposit HK$10.88M · loan HK$10.88M · min. income ≈ HK$116,378/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$924,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,549
−HK$3,735/mo
▼ 0.25% · 3.875%
HK$61,402
−HK$1,882/mo
Today · 4.125%
HK$63,284
baseline
▲ 0.50% · 4.625%
HK$67,134
+HK$3,850/mo
Deposit HK$8.71M · loan HK$13.06M · min. income ≈ HK$126,568/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$924,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,248
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$68,025
−HK$1,802/mo
Today · 4.125%
HK$69,827
baseline
▲ 0.50% · 4.625%
HK$73,508
+HK$3,681/mo
Deposit HK$8.71M · loan HK$13.06M · min. income ≈ HK$139,654/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$924,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,474
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$71,635
−HK$2,196/mo
Today · 4.125%
HK$73,831
baseline
▲ 0.50% · 4.625%
HK$78,323
+HK$4,492/mo
Deposit HK$6.53M · loan HK$15.23M · min. income ≈ HK$147,662/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$924,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,289
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$79,362
−HK$2,103/mo
Today · 4.125%
HK$81,465
baseline
▲ 0.50% · 4.625%
HK$85,759
+HK$4,294/mo
Deposit HK$6.53M · loan HK$15.23M · min. income ≈ HK$162,930/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$924,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,324
−HK$5,601/mo
▼ 0.25% · 3.875%
HK$92,103
−HK$2,822/mo
Today · 4.125%
HK$94,925
baseline
▲ 0.50% · 4.625%
HK$100,701
+HK$5,776/mo
Deposit HK$2.18M · loan HK$19.59M · min. income ≈ HK$189,850/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$924,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,372
−HK$5,369/mo
▼ 0.25% · 3.875%
HK$102,037
−HK$2,704/mo
Today · 4.125%
HK$104,741
baseline
▲ 0.50% · 4.625%
HK$110,262
+HK$5,521/mo
Deposit HK$2.18M · loan HK$19.59M · min. income ≈ HK$209,482/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$924,914 · Scale 2, in force from 26 Feb 2026)