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$49,644
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$51,188
−HK$1,569/mo
Today · 4.125%
HK$52,757
baseline
▲ 0.50% · 4.625%
HK$55,967
+HK$3,210/mo
Deposit HK$10.89M · loan HK$10.89M · min. income ≈ HK$105,514/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$925,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,229
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$56,710
−HK$1,502/mo
Today · 4.125%
HK$58,212
baseline
▲ 0.50% · 4.625%
HK$61,281
+HK$3,069/mo
Deposit HK$10.89M · loan HK$10.89M · min. income ≈ HK$116,424/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$925,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,573
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$61,426
−HK$1,883/mo
Today · 4.125%
HK$63,309
baseline
▲ 0.50% · 4.625%
HK$67,161
+HK$3,852/mo
Deposit HK$8.71M · loan HK$13.06M · min. income ≈ HK$126,618/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$925,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,274
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$68,052
−HK$1,803/mo
Today · 4.125%
HK$69,855
baseline
▲ 0.50% · 4.625%
HK$73,537
+HK$3,682/mo
Deposit HK$8.71M · loan HK$13.06M · min. income ≈ HK$139,710/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$925,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,502
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$71,664
−HK$2,196/mo
Today · 4.125%
HK$73,860
baseline
▲ 0.50% · 4.625%
HK$78,354
+HK$4,494/mo
Deposit HK$6.53M · loan HK$15.24M · min. income ≈ HK$147,720/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$925,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,320
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$79,394
−HK$2,103/mo
Today · 4.125%
HK$81,497
baseline
▲ 0.50% · 4.625%
HK$85,793
+HK$4,296/mo
Deposit HK$6.53M · loan HK$15.24M · min. income ≈ HK$162,994/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$925,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,359
−HK$5,604/mo
▼ 0.25% · 3.875%
HK$92,139
−HK$2,824/mo
Today · 4.125%
HK$94,963
baseline
▲ 0.50% · 4.625%
HK$100,741
+HK$5,778/mo
Deposit HK$2.18M · loan HK$19.59M · min. income ≈ HK$189,926/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,411
−HK$5,371/mo
▼ 0.25% · 3.875%
HK$102,078
−HK$2,704/mo
Today · 4.125%
HK$104,782
baseline
▲ 0.50% · 4.625%
HK$110,306
+HK$5,524/mo
Deposit HK$2.18M · loan HK$19.59M · min. income ≈ HK$209,564/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,281 · Scale 2, in force from 26 Feb 2026)