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$49,664
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$51,209
−HK$1,569/mo
Today · 4.125%
HK$52,778
baseline
▲ 0.50% · 4.625%
HK$55,990
+HK$3,212/mo
Deposit HK$10.89M · loan HK$10.89M · min. income ≈ HK$105,556/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$925,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,251
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$56,733
−HK$1,503/mo
Today · 4.125%
HK$58,236
baseline
▲ 0.50% · 4.625%
HK$61,305
+HK$3,069/mo
Deposit HK$10.89M · loan HK$10.89M · min. income ≈ HK$116,472/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$925,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,597
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$61,451
−HK$1,883/mo
Today · 4.125%
HK$63,334
baseline
▲ 0.50% · 4.625%
HK$67,188
+HK$3,854/mo
Deposit HK$8.71M · loan HK$13.07M · min. income ≈ HK$126,668/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$925,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,301
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$68,079
−HK$1,804/mo
Today · 4.125%
HK$69,883
baseline
▲ 0.50% · 4.625%
HK$73,567
+HK$3,684/mo
Deposit HK$8.71M · loan HK$13.07M · min. income ≈ HK$139,766/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$925,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,530
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$71,692
−HK$2,198/mo
Today · 4.125%
HK$73,890
baseline
▲ 0.50% · 4.625%
HK$78,386
+HK$4,496/mo
Deposit HK$6.53M · loan HK$15.25M · min. income ≈ HK$147,780/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$925,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,351
−HK$4,179/mo
▼ 0.25% · 3.875%
HK$79,426
−HK$2,104/mo
Today · 4.125%
HK$81,530
baseline
▲ 0.50% · 4.625%
HK$85,828
+HK$4,298/mo
Deposit HK$6.53M · loan HK$15.25M · min. income ≈ HK$163,060/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$925,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,395
−HK$5,606/mo
▼ 0.25% · 3.875%
HK$92,176
−HK$2,825/mo
Today · 4.125%
HK$95,001
baseline
▲ 0.50% · 4.625%
HK$100,782
+HK$5,781/mo
Deposit HK$2.18M · loan HK$19.60M · min. income ≈ HK$190,002/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,451
−HK$5,373/mo
▼ 0.25% · 3.875%
HK$102,119
−HK$2,705/mo
Today · 4.125%
HK$104,824
baseline
▲ 0.50% · 4.625%
HK$110,350
+HK$5,526/mo
Deposit HK$2.18M · loan HK$19.60M · min. income ≈ HK$209,648/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,651 · Scale 2, in force from 26 Feb 2026)