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$49,545
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$51,086
−HK$1,566/mo
Today · 4.125%
HK$52,652
baseline
▲ 0.50% · 4.625%
HK$55,856
+HK$3,204/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$105,304/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$922,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,119
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$56,597
−HK$1,500/mo
Today · 4.125%
HK$58,097
baseline
▲ 0.50% · 4.625%
HK$61,159
+HK$3,062/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$116,194/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$922,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,454
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$61,304
−HK$1,879/mo
Today · 4.125%
HK$63,183
baseline
▲ 0.50% · 4.625%
HK$67,027
+HK$3,844/mo
Deposit HK$8.69M · loan HK$13.04M · min. income ≈ HK$126,366/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$922,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,142
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$67,916
−HK$1,800/mo
Today · 4.125%
HK$69,716
baseline
▲ 0.50% · 4.625%
HK$73,391
+HK$3,675/mo
Deposit HK$8.69M · loan HK$13.04M · min. income ≈ HK$139,432/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$922,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,363
−HK$4,350/mo
▼ 0.25% · 3.875%
HK$71,521
−HK$2,192/mo
Today · 4.125%
HK$73,713
baseline
▲ 0.50% · 4.625%
HK$78,198
+HK$4,485/mo
Deposit HK$6.52M · loan HK$15.21M · min. income ≈ HK$147,426/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$922,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,166
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$79,236
−HK$2,099/mo
Today · 4.125%
HK$81,335
baseline
▲ 0.50% · 4.625%
HK$85,622
+HK$4,287/mo
Deposit HK$6.52M · loan HK$15.21M · min. income ≈ HK$162,670/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$922,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,182
−HK$5,592/mo
▼ 0.25% · 3.875%
HK$91,956
−HK$2,818/mo
Today · 4.125%
HK$94,774
baseline
▲ 0.50% · 4.625%
HK$100,541
+HK$5,767/mo
Deposit HK$2.17M · loan HK$19.56M · min. income ≈ HK$189,548/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$922,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,214
−HK$5,360/mo
▼ 0.25% · 3.875%
HK$101,874
−HK$2,700/mo
Today · 4.125%
HK$104,574
baseline
▲ 0.50% · 4.625%
HK$110,086
+HK$5,512/mo
Deposit HK$2.17M · loan HK$19.56M · min. income ≈ HK$209,148/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$922,796 · Scale 2, in force from 26 Feb 2026)