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$49,575
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$51,117
−HK$1,567/mo
Today · 4.125%
HK$52,684
baseline
▲ 0.50% · 4.625%
HK$55,889
+HK$3,205/mo
Deposit HK$10.87M · loan HK$10.87M · min. income ≈ HK$105,368/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$923,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,151
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$56,631
−HK$1,500/mo
Today · 4.125%
HK$58,131
baseline
▲ 0.50% · 4.625%
HK$61,195
+HK$3,064/mo
Deposit HK$10.87M · loan HK$10.87M · min. income ≈ HK$116,262/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$923,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,490
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$61,340
−HK$1,880/mo
Today · 4.125%
HK$63,220
baseline
▲ 0.50% · 4.625%
HK$67,067
+HK$3,847/mo
Deposit HK$8.70M · loan HK$13.04M · min. income ≈ HK$126,440/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$923,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,182
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$67,957
−HK$1,800/mo
Today · 4.125%
HK$69,757
baseline
▲ 0.50% · 4.625%
HK$73,434
+HK$3,677/mo
Deposit HK$8.70M · loan HK$13.04M · min. income ≈ HK$139,514/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$923,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,405
−HK$4,352/mo
▼ 0.25% · 3.875%
HK$71,564
−HK$2,193/mo
Today · 4.125%
HK$73,757
baseline
▲ 0.50% · 4.625%
HK$78,245
+HK$4,488/mo
Deposit HK$6.52M · loan HK$15.22M · min. income ≈ HK$147,514/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$923,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,212
−HK$4,172/mo
▼ 0.25% · 3.875%
HK$79,283
−HK$2,101/mo
Today · 4.125%
HK$81,384
baseline
▲ 0.50% · 4.625%
HK$85,673
+HK$4,289/mo
Deposit HK$6.52M · loan HK$15.22M · min. income ≈ HK$162,768/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$923,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,235
−HK$5,595/mo
▼ 0.25% · 3.875%
HK$92,010
−HK$2,820/mo
Today · 4.125%
HK$94,830
baseline
▲ 0.50% · 4.625%
HK$100,601
+HK$5,771/mo
Deposit HK$2.17M · loan HK$19.57M · min. income ≈ HK$189,660/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$923,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,273
−HK$5,363/mo
▼ 0.25% · 3.875%
HK$101,935
−HK$2,701/mo
Today · 4.125%
HK$104,636
baseline
▲ 0.50% · 4.625%
HK$110,152
+HK$5,516/mo
Deposit HK$2.17M · loan HK$19.57M · min. income ≈ HK$209,272/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$923,988 · Scale 2, in force from 26 Feb 2026)