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$49,538
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$51,079
−HK$1,565/mo
Today · 4.125%
HK$52,644
baseline
▲ 0.50% · 4.625%
HK$55,848
+HK$3,204/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$105,288/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$922,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,111
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$56,589
−HK$1,499/mo
Today · 4.125%
HK$58,088
baseline
▲ 0.50% · 4.625%
HK$61,150
+HK$3,062/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$116,176/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$922,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,446
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$61,295
−HK$1,878/mo
Today · 4.125%
HK$63,173
baseline
▲ 0.50% · 4.625%
HK$67,017
+HK$3,844/mo
Deposit HK$8.69M · loan HK$13.03M · min. income ≈ HK$126,346/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$922,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,133
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$67,906
−HK$1,800/mo
Today · 4.125%
HK$69,706
baseline
▲ 0.50% · 4.625%
HK$73,380
+HK$3,674/mo
Deposit HK$8.69M · loan HK$13.03M · min. income ≈ HK$139,412/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$922,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,353
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$71,511
−HK$2,191/mo
Today · 4.125%
HK$73,702
baseline
▲ 0.50% · 4.625%
HK$78,187
+HK$4,485/mo
Deposit HK$6.52M · loan HK$15.21M · min. income ≈ HK$147,404/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$922,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,155
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$79,224
−HK$2,099/mo
Today · 4.125%
HK$81,323
baseline
▲ 0.50% · 4.625%
HK$85,610
+HK$4,287/mo
Deposit HK$6.52M · loan HK$15.21M · min. income ≈ HK$162,646/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$922,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,168
−HK$5,592/mo
▼ 0.25% · 3.875%
HK$91,942
−HK$2,818/mo
Today · 4.125%
HK$94,760
baseline
▲ 0.50% · 4.625%
HK$100,526
+HK$5,766/mo
Deposit HK$2.17M · loan HK$19.55M · min. income ≈ HK$189,520/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$922,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,199
−HK$5,359/mo
▼ 0.25% · 3.875%
HK$101,859
−HK$2,699/mo
Today · 4.125%
HK$104,558
baseline
▲ 0.50% · 4.625%
HK$110,070
+HK$5,512/mo
Deposit HK$2.17M · loan HK$19.55M · min. income ≈ HK$209,116/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$922,476 · Scale 2, in force from 26 Feb 2026)