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$49,647
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$51,192
−HK$1,569/mo
Today · 4.125%
HK$52,761
baseline
▲ 0.50% · 4.625%
HK$55,971
+HK$3,210/mo
Deposit HK$10.89M · loan HK$10.89M · min. income ≈ HK$105,522/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$925,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,232
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$56,713
−HK$1,503/mo
Today · 4.125%
HK$58,216
baseline
▲ 0.50% · 4.625%
HK$61,285
+HK$3,069/mo
Deposit HK$10.89M · loan HK$10.89M · min. income ≈ HK$116,432/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$925,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,577
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$61,430
−HK$1,883/mo
Today · 4.125%
HK$63,313
baseline
▲ 0.50% · 4.625%
HK$67,165
+HK$3,852/mo
Deposit HK$8.71M · loan HK$13.06M · min. income ≈ HK$126,626/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$925,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,279
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$68,056
−HK$1,803/mo
Today · 4.125%
HK$69,859
baseline
▲ 0.50% · 4.625%
HK$73,542
+HK$3,683/mo
Deposit HK$8.71M · loan HK$13.06M · min. income ≈ HK$139,718/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$925,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,506
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$71,668
−HK$2,197/mo
Today · 4.125%
HK$73,865
baseline
▲ 0.50% · 4.625%
HK$78,359
+HK$4,494/mo
Deposit HK$6.53M · loan HK$15.24M · min. income ≈ HK$147,730/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$925,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,325
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$79,399
−HK$2,104/mo
Today · 4.125%
HK$81,503
baseline
▲ 0.50% · 4.625%
HK$85,799
+HK$4,296/mo
Deposit HK$6.53M · loan HK$15.24M · min. income ≈ HK$163,006/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$925,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,365
−HK$5,604/mo
▼ 0.25% · 3.875%
HK$92,145
−HK$2,824/mo
Today · 4.125%
HK$94,969
baseline
▲ 0.50% · 4.625%
HK$100,748
+HK$5,779/mo
Deposit HK$2.18M · loan HK$19.60M · min. income ≈ HK$189,938/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,418
−HK$5,371/mo
▼ 0.25% · 3.875%
HK$102,084
−HK$2,705/mo
Today · 4.125%
HK$104,789
baseline
▲ 0.50% · 4.625%
HK$110,313
+HK$5,524/mo
Deposit HK$2.18M · loan HK$19.60M · min. income ≈ HK$209,578/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,341 · Scale 2, in force from 26 Feb 2026)