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$49,615
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$51,158
−HK$1,568/mo
Today · 4.125%
HK$52,726
baseline
▲ 0.50% · 4.625%
HK$55,934
+HK$3,208/mo
Deposit HK$10.88M · loan HK$10.88M · min. income ≈ HK$105,452/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$924,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,196
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$56,676
−HK$1,502/mo
Today · 4.125%
HK$58,178
baseline
▲ 0.50% · 4.625%
HK$61,245
+HK$3,067/mo
Deposit HK$10.88M · loan HK$10.88M · min. income ≈ HK$116,356/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$924,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,538
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$61,390
−HK$1,881/mo
Today · 4.125%
HK$63,271
baseline
▲ 0.50% · 4.625%
HK$67,121
+HK$3,850/mo
Deposit HK$8.70M · loan HK$13.06M · min. income ≈ HK$126,542/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$924,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,235
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$68,011
−HK$1,802/mo
Today · 4.125%
HK$69,813
baseline
▲ 0.50% · 4.625%
HK$73,493
+HK$3,680/mo
Deposit HK$8.70M · loan HK$13.06M · min. income ≈ HK$139,626/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$924,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,461
−HK$4,355/mo
▼ 0.25% · 3.875%
HK$71,621
−HK$2,195/mo
Today · 4.125%
HK$73,816
baseline
▲ 0.50% · 4.625%
HK$78,308
+HK$4,492/mo
Deposit HK$6.53M · loan HK$15.23M · min. income ≈ HK$147,632/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$924,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,274
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$79,347
−HK$2,102/mo
Today · 4.125%
HK$81,449
baseline
▲ 0.50% · 4.625%
HK$85,742
+HK$4,293/mo
Deposit HK$6.53M · loan HK$15.23M · min. income ≈ HK$162,898/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$924,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,306
−HK$5,601/mo
▼ 0.25% · 3.875%
HK$92,084
−HK$2,823/mo
Today · 4.125%
HK$94,907
baseline
▲ 0.50% · 4.625%
HK$100,682
+HK$5,775/mo
Deposit HK$2.18M · loan HK$19.58M · min. income ≈ HK$189,814/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$924,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,352
−HK$5,368/mo
▼ 0.25% · 3.875%
HK$102,017
−HK$2,703/mo
Today · 4.125%
HK$104,720
baseline
▲ 0.50% · 4.625%
HK$110,240
+HK$5,520/mo
Deposit HK$2.18M · loan HK$19.58M · min. income ≈ HK$209,440/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$924,731 · Scale 2, in force from 26 Feb 2026)