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$49,672
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$51,217
−HK$1,570/mo
Today · 4.125%
HK$52,787
baseline
▲ 0.50% · 4.625%
HK$55,999
+HK$3,212/mo
Deposit HK$10.89M · loan HK$10.89M · min. income ≈ HK$105,574/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$925,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,259
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$56,741
−HK$1,504/mo
Today · 4.125%
HK$58,245
baseline
▲ 0.50% · 4.625%
HK$61,315
+HK$3,070/mo
Deposit HK$10.89M · loan HK$10.89M · min. income ≈ HK$116,490/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$925,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,606
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$61,460
−HK$1,884/mo
Today · 4.125%
HK$63,344
baseline
▲ 0.50% · 4.625%
HK$67,198
+HK$3,854/mo
Deposit HK$8.71M · loan HK$13.07M · min. income ≈ HK$126,688/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$925,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,311
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$68,090
−HK$1,804/mo
Today · 4.125%
HK$69,894
baseline
▲ 0.50% · 4.625%
HK$73,578
+HK$3,684/mo
Deposit HK$8.71M · loan HK$13.07M · min. income ≈ HK$139,788/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$925,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,541
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$71,704
−HK$2,197/mo
Today · 4.125%
HK$73,901
baseline
▲ 0.50% · 4.625%
HK$78,398
+HK$4,497/mo
Deposit HK$6.54M · loan HK$15.25M · min. income ≈ HK$147,802/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$925,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,363
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$79,438
−HK$2,105/mo
Today · 4.125%
HK$81,543
baseline
▲ 0.50% · 4.625%
HK$85,841
+HK$4,298/mo
Deposit HK$6.54M · loan HK$15.25M · min. income ≈ HK$163,086/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$925,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,409
−HK$5,607/mo
▼ 0.25% · 3.875%
HK$92,191
−HK$2,825/mo
Today · 4.125%
HK$95,016
baseline
▲ 0.50% · 4.625%
HK$100,798
+HK$5,782/mo
Deposit HK$2.18M · loan HK$19.61M · min. income ≈ HK$190,032/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,467
−HK$5,374/mo
▼ 0.25% · 3.875%
HK$102,135
−HK$2,706/mo
Today · 4.125%
HK$104,841
baseline
▲ 0.50% · 4.625%
HK$110,367
+HK$5,526/mo
Deposit HK$2.18M · loan HK$19.61M · min. income ≈ HK$209,682/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,798 · Scale 2, in force from 26 Feb 2026)