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$49,568
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$51,110
−HK$1,566/mo
Today · 4.125%
HK$52,676
baseline
▲ 0.50% · 4.625%
HK$55,881
+HK$3,205/mo
Deposit HK$10.87M · loan HK$10.87M · min. income ≈ HK$105,352/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$923,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,144
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$56,623
−HK$1,500/mo
Today · 4.125%
HK$58,123
baseline
▲ 0.50% · 4.625%
HK$61,187
+HK$3,064/mo
Deposit HK$10.87M · loan HK$10.87M · min. income ≈ HK$116,246/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$923,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,481
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$61,331
−HK$1,880/mo
Today · 4.125%
HK$63,211
baseline
▲ 0.50% · 4.625%
HK$67,058
+HK$3,847/mo
Deposit HK$8.70M · loan HK$13.04M · min. income ≈ HK$126,422/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$923,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,172
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$67,947
−HK$1,800/mo
Today · 4.125%
HK$69,747
baseline
▲ 0.50% · 4.625%
HK$73,424
+HK$3,677/mo
Deposit HK$8.70M · loan HK$13.04M · min. income ≈ HK$139,494/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$923,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,395
−HK$4,351/mo
▼ 0.25% · 3.875%
HK$71,553
−HK$2,193/mo
Today · 4.125%
HK$73,746
baseline
▲ 0.50% · 4.625%
HK$78,234
+HK$4,488/mo
Deposit HK$6.52M · loan HK$15.22M · min. income ≈ HK$147,492/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$923,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,201
−HK$4,171/mo
▼ 0.25% · 3.875%
HK$79,272
−HK$2,100/mo
Today · 4.125%
HK$81,372
baseline
▲ 0.50% · 4.625%
HK$85,661
+HK$4,289/mo
Deposit HK$6.52M · loan HK$15.22M · min. income ≈ HK$162,744/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$923,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,222
−HK$5,595/mo
▼ 0.25% · 3.875%
HK$91,997
−HK$2,820/mo
Today · 4.125%
HK$94,817
baseline
▲ 0.50% · 4.625%
HK$100,586
+HK$5,769/mo
Deposit HK$2.17M · loan HK$19.56M · min. income ≈ HK$189,634/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$923,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,258
−HK$5,363/mo
▼ 0.25% · 3.875%
HK$101,921
−HK$2,700/mo
Today · 4.125%
HK$104,621
baseline
▲ 0.50% · 4.625%
HK$110,136
+HK$5,515/mo
Deposit HK$2.17M · loan HK$19.56M · min. income ≈ HK$209,242/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$923,779 · Scale 2, in force from 26 Feb 2026)