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$49,509
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$51,049
−HK$1,565/mo
Today · 4.125%
HK$52,614
baseline
▲ 0.50% · 4.625%
HK$55,815
+HK$3,201/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$105,228/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$921,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,078
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$56,555
−HK$1,499/mo
Today · 4.125%
HK$58,054
baseline
▲ 0.50% · 4.625%
HK$61,114
+HK$3,060/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$116,108/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$921,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,411
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$61,259
−HK$1,877/mo
Today · 4.125%
HK$63,136
baseline
▲ 0.50% · 4.625%
HK$66,978
+HK$3,842/mo
Deposit HK$8.68M · loan HK$13.03M · min. income ≈ HK$126,272/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$921,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,094
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$67,867
−HK$1,798/mo
Today · 4.125%
HK$69,665
baseline
▲ 0.50% · 4.625%
HK$73,337
+HK$3,672/mo
Deposit HK$8.68M · loan HK$13.03M · min. income ≈ HK$139,330/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$921,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,313
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$71,469
−HK$2,190/mo
Today · 4.125%
HK$73,659
baseline
▲ 0.50% · 4.625%
HK$78,141
+HK$4,482/mo
Deposit HK$6.51M · loan HK$15.20M · min. income ≈ HK$147,318/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$921,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,110
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$79,178
−HK$2,098/mo
Today · 4.125%
HK$81,276
baseline
▲ 0.50% · 4.625%
HK$85,560
+HK$4,284/mo
Deposit HK$6.51M · loan HK$15.20M · min. income ≈ HK$162,552/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$921,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,116
−HK$5,589/mo
▼ 0.25% · 3.875%
HK$91,888
−HK$2,817/mo
Today · 4.125%
HK$94,705
baseline
▲ 0.50% · 4.625%
HK$100,467
+HK$5,762/mo
Deposit HK$2.17M · loan HK$19.54M · min. income ≈ HK$189,410/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$921,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,141
−HK$5,356/mo
▼ 0.25% · 3.875%
HK$101,800
−HK$2,697/mo
Today · 4.125%
HK$104,497
baseline
▲ 0.50% · 4.625%
HK$110,005
+HK$5,508/mo
Deposit HK$2.17M · loan HK$19.54M · min. income ≈ HK$208,994/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$921,204 · Scale 2, in force from 26 Feb 2026)