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$49,507
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$51,047
−HK$1,564/mo
Today · 4.125%
HK$52,611
baseline
▲ 0.50% · 4.625%
HK$55,813
+HK$3,202/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$105,222/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$921,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,076
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$56,553
−HK$1,498/mo
Today · 4.125%
HK$58,051
baseline
▲ 0.50% · 4.625%
HK$61,111
+HK$3,060/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$116,102/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$921,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,408
−HK$3,726/mo
▼ 0.25% · 3.875%
HK$61,256
−HK$1,878/mo
Today · 4.125%
HK$63,134
baseline
▲ 0.50% · 4.625%
HK$66,975
+HK$3,841/mo
Deposit HK$8.68M · loan HK$13.03M · min. income ≈ HK$126,268/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$921,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,091
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$67,864
−HK$1,798/mo
Today · 4.125%
HK$69,662
baseline
▲ 0.50% · 4.625%
HK$73,334
+HK$3,672/mo
Deposit HK$8.68M · loan HK$13.03M · min. income ≈ HK$139,324/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$921,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,310
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$71,465
−HK$2,191/mo
Today · 4.125%
HK$73,656
baseline
▲ 0.50% · 4.625%
HK$78,138
+HK$4,482/mo
Deposit HK$6.51M · loan HK$15.20M · min. income ≈ HK$147,312/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$921,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,106
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$79,174
−HK$2,098/mo
Today · 4.125%
HK$81,272
baseline
▲ 0.50% · 4.625%
HK$85,556
+HK$4,284/mo
Deposit HK$6.51M · loan HK$15.20M · min. income ≈ HK$162,544/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$921,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,112
−HK$5,588/mo
▼ 0.25% · 3.875%
HK$91,884
−HK$2,816/mo
Today · 4.125%
HK$94,700
baseline
▲ 0.50% · 4.625%
HK$100,463
+HK$5,763/mo
Deposit HK$2.17M · loan HK$19.54M · min. income ≈ HK$189,400/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$921,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,137
−HK$5,356/mo
▼ 0.25% · 3.875%
HK$101,795
−HK$2,698/mo
Today · 4.125%
HK$104,493
baseline
▲ 0.50% · 4.625%
HK$110,001
+HK$5,508/mo
Deposit HK$2.17M · loan HK$19.54M · min. income ≈ HK$208,986/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$921,108 · Scale 2, in force from 26 Feb 2026)