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$49,558
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$51,099
−HK$1,566/mo
Today · 4.125%
HK$52,665
baseline
▲ 0.50% · 4.625%
HK$55,870
+HK$3,205/mo
Deposit HK$10.87M · loan HK$10.87M · min. income ≈ HK$105,330/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$923,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,132
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$56,611
−HK$1,500/mo
Today · 4.125%
HK$58,111
baseline
▲ 0.50% · 4.625%
HK$61,174
+HK$3,063/mo
Deposit HK$10.87M · loan HK$10.87M · min. income ≈ HK$116,222/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$923,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,469
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$61,319
−HK$1,879/mo
Today · 4.125%
HK$63,198
baseline
▲ 0.50% · 4.625%
HK$67,044
+HK$3,846/mo
Deposit HK$8.69M · loan HK$13.04M · min. income ≈ HK$126,396/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$923,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,159
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$67,933
−HK$1,800/mo
Today · 4.125%
HK$69,733
baseline
▲ 0.50% · 4.625%
HK$73,409
+HK$3,676/mo
Deposit HK$8.69M · loan HK$13.04M · min. income ≈ HK$139,466/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$923,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,381
−HK$4,350/mo
▼ 0.25% · 3.875%
HK$71,539
−HK$2,192/mo
Today · 4.125%
HK$73,731
baseline
▲ 0.50% · 4.625%
HK$78,218
+HK$4,487/mo
Deposit HK$6.52M · loan HK$15.21M · min. income ≈ HK$147,462/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$923,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,185
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$79,255
−HK$2,100/mo
Today · 4.125%
HK$81,355
baseline
▲ 0.50% · 4.625%
HK$85,644
+HK$4,289/mo
Deposit HK$6.52M · loan HK$15.21M · min. income ≈ HK$162,710/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$923,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,204
−HK$5,594/mo
▼ 0.25% · 3.875%
HK$91,978
−HK$2,820/mo
Today · 4.125%
HK$94,798
baseline
▲ 0.50% · 4.625%
HK$100,566
+HK$5,768/mo
Deposit HK$2.17M · loan HK$19.56M · min. income ≈ HK$189,596/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$923,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,238
−HK$5,362/mo
▼ 0.25% · 3.875%
HK$101,900
−HK$2,700/mo
Today · 4.125%
HK$104,600
baseline
▲ 0.50% · 4.625%
HK$110,113
+HK$5,513/mo
Deposit HK$2.17M · loan HK$19.56M · min. income ≈ HK$209,200/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$923,335 · Scale 2, in force from 26 Feb 2026)