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$49,529
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$51,069
−HK$1,566/mo
Today · 4.125%
HK$52,635
baseline
▲ 0.50% · 4.625%
HK$55,837
+HK$3,202/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$105,270/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$922,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,100
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$56,578
−HK$1,499/mo
Today · 4.125%
HK$58,077
baseline
▲ 0.50% · 4.625%
HK$61,138
+HK$3,061/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$116,154/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$922,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,434
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$61,283
−HK$1,878/mo
Today · 4.125%
HK$63,161
baseline
▲ 0.50% · 4.625%
HK$67,005
+HK$3,844/mo
Deposit HK$8.69M · loan HK$13.03M · min. income ≈ HK$126,322/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$922,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,120
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$67,893
−HK$1,799/mo
Today · 4.125%
HK$69,692
baseline
▲ 0.50% · 4.625%
HK$73,366
+HK$3,674/mo
Deposit HK$8.69M · loan HK$13.03M · min. income ≈ HK$139,384/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$922,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,340
−HK$4,348/mo
▼ 0.25% · 3.875%
HK$71,497
−HK$2,191/mo
Today · 4.125%
HK$73,688
baseline
▲ 0.50% · 4.625%
HK$78,172
+HK$4,484/mo
Deposit HK$6.52M · loan HK$15.20M · min. income ≈ HK$147,376/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$922,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,140
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$79,209
−HK$2,099/mo
Today · 4.125%
HK$81,308
baseline
▲ 0.50% · 4.625%
HK$85,594
+HK$4,286/mo
Deposit HK$6.52M · loan HK$15.20M · min. income ≈ HK$162,616/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$922,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,152
−HK$5,590/mo
▼ 0.25% · 3.875%
HK$91,925
−HK$2,817/mo
Today · 4.125%
HK$94,742
baseline
▲ 0.50% · 4.625%
HK$100,507
+HK$5,765/mo
Deposit HK$2.17M · loan HK$19.55M · min. income ≈ HK$189,484/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$922,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,180
−HK$5,359/mo
▼ 0.25% · 3.875%
HK$101,840
−HK$2,699/mo
Today · 4.125%
HK$104,539
baseline
▲ 0.50% · 4.625%
HK$110,049
+HK$5,510/mo
Deposit HK$2.17M · loan HK$19.55M · min. income ≈ HK$209,078/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$922,065 · Scale 2, in force from 26 Feb 2026)