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$49,616
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$51,160
−HK$1,568/mo
Today · 4.125%
HK$52,728
baseline
▲ 0.50% · 4.625%
HK$55,936
+HK$3,208/mo
Deposit HK$10.88M · loan HK$10.88M · min. income ≈ HK$105,456/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$924,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,198
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$56,678
−HK$1,502/mo
Today · 4.125%
HK$58,180
baseline
▲ 0.50% · 4.625%
HK$61,246
+HK$3,066/mo
Deposit HK$10.88M · loan HK$10.88M · min. income ≈ HK$116,360/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$924,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,540
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$61,392
−HK$1,881/mo
Today · 4.125%
HK$63,273
baseline
▲ 0.50% · 4.625%
HK$67,123
+HK$3,850/mo
Deposit HK$8.70M · loan HK$13.06M · min. income ≈ HK$126,546/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$924,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,237
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$68,014
−HK$1,802/mo
Today · 4.125%
HK$69,816
baseline
▲ 0.50% · 4.625%
HK$73,496
+HK$3,680/mo
Deposit HK$8.70M · loan HK$13.06M · min. income ≈ HK$139,632/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$924,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,463
−HK$4,356/mo
▼ 0.25% · 3.875%
HK$71,623
−HK$2,196/mo
Today · 4.125%
HK$73,819
baseline
▲ 0.50% · 4.625%
HK$78,310
+HK$4,491/mo
Deposit HK$6.53M · loan HK$15.23M · min. income ≈ HK$147,638/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$924,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,277
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$79,349
−HK$2,103/mo
Today · 4.125%
HK$81,452
baseline
▲ 0.50% · 4.625%
HK$85,745
+HK$4,293/mo
Deposit HK$6.53M · loan HK$15.23M · min. income ≈ HK$162,904/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$924,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,309
−HK$5,601/mo
▼ 0.25% · 3.875%
HK$92,087
−HK$2,823/mo
Today · 4.125%
HK$94,910
baseline
▲ 0.50% · 4.625%
HK$100,685
+HK$5,775/mo
Deposit HK$2.18M · loan HK$19.58M · min. income ≈ HK$189,820/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$924,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,356
−HK$5,368/mo
▼ 0.25% · 3.875%
HK$102,020
−HK$2,704/mo
Today · 4.125%
HK$104,724
baseline
▲ 0.50% · 4.625%
HK$110,244
+HK$5,520/mo
Deposit HK$2.18M · loan HK$19.58M · min. income ≈ HK$209,448/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$924,761 · Scale 2, in force from 26 Feb 2026)