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$49,643
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$51,187
−HK$1,569/mo
Today · 4.125%
HK$52,756
baseline
▲ 0.50% · 4.625%
HK$55,966
+HK$3,210/mo
Deposit HK$10.89M · loan HK$10.89M · min. income ≈ HK$105,512/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$925,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,228
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$56,709
−HK$1,502/mo
Today · 4.125%
HK$58,211
baseline
▲ 0.50% · 4.625%
HK$61,280
+HK$3,069/mo
Deposit HK$10.89M · loan HK$10.89M · min. income ≈ HK$116,422/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$925,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,572
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$61,425
−HK$1,883/mo
Today · 4.125%
HK$63,308
baseline
▲ 0.50% · 4.625%
HK$67,160
+HK$3,852/mo
Deposit HK$8.71M · loan HK$13.06M · min. income ≈ HK$126,616/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$925,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,273
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$68,051
−HK$1,803/mo
Today · 4.125%
HK$69,854
baseline
▲ 0.50% · 4.625%
HK$73,536
+HK$3,682/mo
Deposit HK$8.71M · loan HK$13.06M · min. income ≈ HK$139,708/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$925,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,501
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$71,662
−HK$2,197/mo
Today · 4.125%
HK$73,859
baseline
▲ 0.50% · 4.625%
HK$78,353
+HK$4,494/mo
Deposit HK$6.53M · loan HK$15.24M · min. income ≈ HK$147,718/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$925,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,319
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$79,392
−HK$2,104/mo
Today · 4.125%
HK$81,496
baseline
▲ 0.50% · 4.625%
HK$85,792
+HK$4,296/mo
Deposit HK$6.53M · loan HK$15.24M · min. income ≈ HK$162,992/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$925,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,358
−HK$5,603/mo
▼ 0.25% · 3.875%
HK$92,137
−HK$2,824/mo
Today · 4.125%
HK$94,961
baseline
▲ 0.50% · 4.625%
HK$100,740
+HK$5,779/mo
Deposit HK$2.18M · loan HK$19.59M · min. income ≈ HK$189,922/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,410
−HK$5,370/mo
▼ 0.25% · 3.875%
HK$102,076
−HK$2,704/mo
Today · 4.125%
HK$104,780
baseline
▲ 0.50% · 4.625%
HK$110,304
+HK$5,524/mo
Deposit HK$2.18M · loan HK$19.59M · min. income ≈ HK$209,560/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,264 · Scale 2, in force from 26 Feb 2026)