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$49,619
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$51,162
−HK$1,568/mo
Today · 4.125%
HK$52,730
baseline
▲ 0.50% · 4.625%
HK$55,939
+HK$3,209/mo
Deposit HK$10.88M · loan HK$10.88M · min. income ≈ HK$105,460/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$924,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,200
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$56,681
−HK$1,502/mo
Today · 4.125%
HK$58,183
baseline
▲ 0.50% · 4.625%
HK$61,249
+HK$3,066/mo
Deposit HK$10.88M · loan HK$10.88M · min. income ≈ HK$116,366/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$924,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,542
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$61,395
−HK$1,881/mo
Today · 4.125%
HK$63,276
baseline
▲ 0.50% · 4.625%
HK$67,126
+HK$3,850/mo
Deposit HK$8.70M · loan HK$13.06M · min. income ≈ HK$126,552/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$924,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,240
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$68,017
−HK$1,802/mo
Today · 4.125%
HK$69,819
baseline
▲ 0.50% · 4.625%
HK$73,499
+HK$3,680/mo
Deposit HK$8.70M · loan HK$13.06M · min. income ≈ HK$139,638/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$924,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,466
−HK$4,356/mo
▼ 0.25% · 3.875%
HK$71,627
−HK$2,195/mo
Today · 4.125%
HK$73,822
baseline
▲ 0.50% · 4.625%
HK$78,314
+HK$4,492/mo
Deposit HK$6.53M · loan HK$15.23M · min. income ≈ HK$147,644/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$924,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,280
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$79,353
−HK$2,103/mo
Today · 4.125%
HK$81,456
baseline
▲ 0.50% · 4.625%
HK$85,749
+HK$4,293/mo
Deposit HK$6.53M · loan HK$15.23M · min. income ≈ HK$162,912/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$924,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,314
−HK$5,600/mo
▼ 0.25% · 3.875%
HK$92,092
−HK$2,822/mo
Today · 4.125%
HK$94,914
baseline
▲ 0.50% · 4.625%
HK$100,690
+HK$5,776/mo
Deposit HK$2.18M · loan HK$19.58M · min. income ≈ HK$189,828/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$924,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,361
−HK$5,368/mo
▼ 0.25% · 3.875%
HK$102,025
−HK$2,704/mo
Today · 4.125%
HK$104,729
baseline
▲ 0.50% · 4.625%
HK$110,249
+HK$5,520/mo
Deposit HK$2.18M · loan HK$19.58M · min. income ≈ HK$209,458/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$924,806 · Scale 2, in force from 26 Feb 2026)