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$49,669
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$51,214
−HK$1,570/mo
Today · 4.125%
HK$52,784
baseline
▲ 0.50% · 4.625%
HK$55,996
+HK$3,212/mo
Deposit HK$10.89M · loan HK$10.89M · min. income ≈ HK$105,568/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$925,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,256
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$56,738
−HK$1,504/mo
Today · 4.125%
HK$58,242
baseline
▲ 0.50% · 4.625%
HK$61,312
+HK$3,070/mo
Deposit HK$10.89M · loan HK$10.89M · min. income ≈ HK$116,484/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$925,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,603
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$61,457
−HK$1,884/mo
Today · 4.125%
HK$63,341
baseline
▲ 0.50% · 4.625%
HK$67,195
+HK$3,854/mo
Deposit HK$8.71M · loan HK$13.07M · min. income ≈ HK$126,682/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$925,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,308
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$68,086
−HK$1,804/mo
Today · 4.125%
HK$69,890
baseline
▲ 0.50% · 4.625%
HK$73,574
+HK$3,684/mo
Deposit HK$8.71M · loan HK$13.07M · min. income ≈ HK$139,780/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$925,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,537
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$71,700
−HK$2,197/mo
Today · 4.125%
HK$73,897
baseline
▲ 0.50% · 4.625%
HK$78,394
+HK$4,497/mo
Deposit HK$6.53M · loan HK$15.25M · min. income ≈ HK$147,794/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$925,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,359
−HK$4,179/mo
▼ 0.25% · 3.875%
HK$79,434
−HK$2,104/mo
Today · 4.125%
HK$81,538
baseline
▲ 0.50% · 4.625%
HK$85,836
+HK$4,298/mo
Deposit HK$6.53M · loan HK$15.25M · min. income ≈ HK$163,076/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$925,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,404
−HK$5,607/mo
▼ 0.25% · 3.875%
HK$92,185
−HK$2,826/mo
Today · 4.125%
HK$95,011
baseline
▲ 0.50% · 4.625%
HK$100,792
+HK$5,781/mo
Deposit HK$2.18M · loan HK$19.60M · min. income ≈ HK$190,022/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,461
−HK$5,374/mo
▼ 0.25% · 3.875%
HK$102,129
−HK$2,706/mo
Today · 4.125%
HK$104,835
baseline
▲ 0.50% · 4.625%
HK$110,361
+HK$5,526/mo
Deposit HK$2.18M · loan HK$19.60M · min. income ≈ HK$209,670/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,746 · Scale 2, in force from 26 Feb 2026)