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$49,551
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$51,093
−HK$1,566/mo
Today · 4.125%
HK$52,659
baseline
▲ 0.50% · 4.625%
HK$55,863
+HK$3,204/mo
Deposit HK$10.87M · loan HK$10.87M · min. income ≈ HK$105,318/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$923,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,125
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$56,604
−HK$1,500/mo
Today · 4.125%
HK$58,104
baseline
▲ 0.50% · 4.625%
HK$61,166
+HK$3,062/mo
Deposit HK$10.87M · loan HK$10.87M · min. income ≈ HK$116,208/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$923,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,462
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$61,311
−HK$1,879/mo
Today · 4.125%
HK$63,190
baseline
▲ 0.50% · 4.625%
HK$67,035
+HK$3,845/mo
Deposit HK$8.69M · loan HK$13.04M · min. income ≈ HK$126,380/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$923,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,150
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$67,925
−HK$1,799/mo
Today · 4.125%
HK$69,724
baseline
▲ 0.50% · 4.625%
HK$73,400
+HK$3,676/mo
Deposit HK$8.69M · loan HK$13.04M · min. income ≈ HK$139,448/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$923,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,372
−HK$4,350/mo
▼ 0.25% · 3.875%
HK$71,530
−HK$2,192/mo
Today · 4.125%
HK$73,722
baseline
▲ 0.50% · 4.625%
HK$78,208
+HK$4,486/mo
Deposit HK$6.52M · loan HK$15.21M · min. income ≈ HK$147,444/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$923,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,176
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$79,245
−HK$2,100/mo
Today · 4.125%
HK$81,345
baseline
▲ 0.50% · 4.625%
HK$85,633
+HK$4,288/mo
Deposit HK$6.52M · loan HK$15.21M · min. income ≈ HK$162,690/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$923,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,192
−HK$5,594/mo
▼ 0.25% · 3.875%
HK$91,967
−HK$2,819/mo
Today · 4.125%
HK$94,786
baseline
▲ 0.50% · 4.625%
HK$100,553
+HK$5,767/mo
Deposit HK$2.17M · loan HK$19.56M · min. income ≈ HK$189,572/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$923,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,226
−HK$5,361/mo
▼ 0.25% · 3.875%
HK$101,887
−HK$2,700/mo
Today · 4.125%
HK$104,587
baseline
▲ 0.50% · 4.625%
HK$110,099
+HK$5,512/mo
Deposit HK$2.17M · loan HK$19.56M · min. income ≈ HK$209,174/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$923,061 · Scale 2, in force from 26 Feb 2026)