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$49,623
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$51,167
−HK$1,568/mo
Today · 4.125%
HK$52,735
baseline
▲ 0.50% · 4.625%
HK$55,944
+HK$3,209/mo
Deposit HK$10.88M · loan HK$10.88M · min. income ≈ HK$105,470/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$924,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,205
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$56,686
−HK$1,502/mo
Today · 4.125%
HK$58,188
baseline
▲ 0.50% · 4.625%
HK$61,255
+HK$3,067/mo
Deposit HK$10.88M · loan HK$10.88M · min. income ≈ HK$116,376/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$924,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,548
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$61,400
−HK$1,882/mo
Today · 4.125%
HK$63,282
baseline
▲ 0.50% · 4.625%
HK$67,132
+HK$3,850/mo
Deposit HK$8.70M · loan HK$13.06M · min. income ≈ HK$126,564/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$924,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,246
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$68,023
−HK$1,802/mo
Today · 4.125%
HK$69,825
baseline
▲ 0.50% · 4.625%
HK$73,506
+HK$3,681/mo
Deposit HK$8.70M · loan HK$13.06M · min. income ≈ HK$139,650/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$924,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,472
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$71,633
−HK$2,196/mo
Today · 4.125%
HK$73,829
baseline
▲ 0.50% · 4.625%
HK$78,321
+HK$4,492/mo
Deposit HK$6.53M · loan HK$15.23M · min. income ≈ HK$147,658/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$924,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,287
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$79,360
−HK$2,103/mo
Today · 4.125%
HK$81,463
baseline
▲ 0.50% · 4.625%
HK$85,757
+HK$4,294/mo
Deposit HK$6.53M · loan HK$15.23M · min. income ≈ HK$162,926/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$924,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,321
−HK$5,602/mo
▼ 0.25% · 3.875%
HK$92,100
−HK$2,823/mo
Today · 4.125%
HK$94,923
baseline
▲ 0.50% · 4.625%
HK$100,698
+HK$5,775/mo
Deposit HK$2.18M · loan HK$19.59M · min. income ≈ HK$189,846/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$924,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,369
−HK$5,369/mo
▼ 0.25% · 3.875%
HK$102,034
−HK$2,704/mo
Today · 4.125%
HK$104,738
baseline
▲ 0.50% · 4.625%
HK$110,259
+HK$5,521/mo
Deposit HK$2.18M · loan HK$19.59M · min. income ≈ HK$209,476/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$924,887 · Scale 2, in force from 26 Feb 2026)