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$49,583
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$51,125
−HK$1,567/mo
Today · 4.125%
HK$52,692
baseline
▲ 0.50% · 4.625%
HK$55,898
+HK$3,206/mo
Deposit HK$10.87M · loan HK$10.87M · min. income ≈ HK$105,384/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$924,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,160
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$56,640
−HK$1,500/mo
Today · 4.125%
HK$58,140
baseline
▲ 0.50% · 4.625%
HK$61,205
+HK$3,065/mo
Deposit HK$10.87M · loan HK$10.87M · min. income ≈ HK$116,280/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$924,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,499
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$61,350
−HK$1,880/mo
Today · 4.125%
HK$63,230
baseline
▲ 0.50% · 4.625%
HK$67,078
+HK$3,848/mo
Deposit HK$8.70M · loan HK$13.05M · min. income ≈ HK$126,460/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$924,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,192
−HK$3,576/mo
▼ 0.25% · 3.875%
HK$67,967
−HK$1,801/mo
Today · 4.125%
HK$69,768
baseline
▲ 0.50% · 4.625%
HK$73,446
+HK$3,678/mo
Deposit HK$8.70M · loan HK$13.05M · min. income ≈ HK$139,536/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$924,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,416
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$71,575
−HK$2,194/mo
Today · 4.125%
HK$73,769
baseline
▲ 0.50% · 4.625%
HK$78,257
+HK$4,488/mo
Deposit HK$6.52M · loan HK$15.22M · min. income ≈ HK$147,538/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$924,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,224
−HK$4,172/mo
▼ 0.25% · 3.875%
HK$79,295
−HK$2,101/mo
Today · 4.125%
HK$81,396
baseline
▲ 0.50% · 4.625%
HK$85,687
+HK$4,291/mo
Deposit HK$6.52M · loan HK$15.22M · min. income ≈ HK$162,792/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$924,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,249
−HK$5,596/mo
▼ 0.25% · 3.875%
HK$92,025
−HK$2,820/mo
Today · 4.125%
HK$94,845
baseline
▲ 0.50% · 4.625%
HK$100,617
+HK$5,772/mo
Deposit HK$2.17M · loan HK$19.57M · min. income ≈ HK$189,690/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$924,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,288
−HK$5,365/mo
▼ 0.25% · 3.875%
HK$101,951
−HK$2,702/mo
Today · 4.125%
HK$104,653
baseline
▲ 0.50% · 4.625%
HK$110,169
+HK$5,516/mo
Deposit HK$2.17M · loan HK$19.57M · min. income ≈ HK$209,306/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$924,134 · Scale 2, in force from 26 Feb 2026)