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$49,670
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$51,215
−HK$1,570/mo
Today · 4.125%
HK$52,785
baseline
▲ 0.50% · 4.625%
HK$55,997
+HK$3,212/mo
Deposit HK$10.89M · loan HK$10.89M · min. income ≈ HK$105,570/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$925,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,258
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$56,739
−HK$1,504/mo
Today · 4.125%
HK$58,243
baseline
▲ 0.50% · 4.625%
HK$61,313
+HK$3,070/mo
Deposit HK$10.89M · loan HK$10.89M · min. income ≈ HK$116,486/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$925,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,604
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$61,458
−HK$1,884/mo
Today · 4.125%
HK$63,342
baseline
▲ 0.50% · 4.625%
HK$67,196
+HK$3,854/mo
Deposit HK$8.71M · loan HK$13.07M · min. income ≈ HK$126,684/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$925,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,309
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$68,087
−HK$1,804/mo
Today · 4.125%
HK$69,891
baseline
▲ 0.50% · 4.625%
HK$73,576
+HK$3,685/mo
Deposit HK$8.71M · loan HK$13.07M · min. income ≈ HK$139,782/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$925,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,538
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$71,701
−HK$2,198/mo
Today · 4.125%
HK$73,899
baseline
▲ 0.50% · 4.625%
HK$78,395
+HK$4,496/mo
Deposit HK$6.53M · loan HK$15.25M · min. income ≈ HK$147,798/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$925,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,361
−HK$4,179/mo
▼ 0.25% · 3.875%
HK$79,435
−HK$2,105/mo
Today · 4.125%
HK$81,540
baseline
▲ 0.50% · 4.625%
HK$85,838
+HK$4,298/mo
Deposit HK$6.53M · loan HK$15.25M · min. income ≈ HK$163,080/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$925,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,406
−HK$5,607/mo
▼ 0.25% · 3.875%
HK$92,187
−HK$2,826/mo
Today · 4.125%
HK$95,013
baseline
▲ 0.50% · 4.625%
HK$100,794
+HK$5,781/mo
Deposit HK$2.18M · loan HK$19.60M · min. income ≈ HK$190,026/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,464
−HK$5,373/mo
▼ 0.25% · 3.875%
HK$102,131
−HK$2,706/mo
Today · 4.125%
HK$104,837
baseline
▲ 0.50% · 4.625%
HK$110,363
+HK$5,526/mo
Deposit HK$2.18M · loan HK$19.60M · min. income ≈ HK$209,674/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,765 · Scale 2, in force from 26 Feb 2026)