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$49,657
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$51,201
−HK$1,570/mo
Today · 4.125%
HK$52,771
baseline
▲ 0.50% · 4.625%
HK$55,982
+HK$3,211/mo
Deposit HK$10.89M · loan HK$10.89M · min. income ≈ HK$105,542/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$925,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,243
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$56,724
−HK$1,503/mo
Today · 4.125%
HK$58,227
baseline
▲ 0.50% · 4.625%
HK$61,296
+HK$3,069/mo
Deposit HK$10.89M · loan HK$10.89M · min. income ≈ HK$116,454/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$925,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,588
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$61,442
−HK$1,883/mo
Today · 4.125%
HK$63,325
baseline
▲ 0.50% · 4.625%
HK$67,178
+HK$3,853/mo
Deposit HK$8.71M · loan HK$13.07M · min. income ≈ HK$126,650/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$925,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,291
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$68,069
−HK$1,804/mo
Today · 4.125%
HK$69,873
baseline
▲ 0.50% · 4.625%
HK$73,556
+HK$3,683/mo
Deposit HK$8.71M · loan HK$13.07M · min. income ≈ HK$139,746/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$925,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,519
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$71,682
−HK$2,197/mo
Today · 4.125%
HK$73,879
baseline
▲ 0.50% · 4.625%
HK$78,374
+HK$4,495/mo
Deposit HK$6.53M · loan HK$15.24M · min. income ≈ HK$147,758/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$925,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,340
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$79,414
−HK$2,104/mo
Today · 4.125%
HK$81,518
baseline
▲ 0.50% · 4.625%
HK$85,815
+HK$4,297/mo
Deposit HK$6.53M · loan HK$15.24M · min. income ≈ HK$163,036/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$925,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,382
−HK$5,605/mo
▼ 0.25% · 3.875%
HK$92,162
−HK$2,825/mo
Today · 4.125%
HK$94,987
baseline
▲ 0.50% · 4.625%
HK$100,767
+HK$5,780/mo
Deposit HK$2.18M · loan HK$19.60M · min. income ≈ HK$189,974/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,437
−HK$5,372/mo
▼ 0.25% · 3.875%
HK$102,104
−HK$2,705/mo
Today · 4.125%
HK$104,809
baseline
▲ 0.50% · 4.625%
HK$110,334
+HK$5,525/mo
Deposit HK$2.18M · loan HK$19.60M · min. income ≈ HK$209,618/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,515 · Scale 2, in force from 26 Feb 2026)