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$49,550
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$51,091
−HK$1,566/mo
Today · 4.125%
HK$52,657
baseline
▲ 0.50% · 4.625%
HK$55,861
+HK$3,204/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$105,314/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$922,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,123
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$56,602
−HK$1,500/mo
Today · 4.125%
HK$58,102
baseline
▲ 0.50% · 4.625%
HK$61,164
+HK$3,062/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$116,204/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$922,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,460
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$61,309
−HK$1,879/mo
Today · 4.125%
HK$63,188
baseline
▲ 0.50% · 4.625%
HK$67,033
+HK$3,845/mo
Deposit HK$8.69M · loan HK$13.04M · min. income ≈ HK$126,376/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$922,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,148
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$67,922
−HK$1,800/mo
Today · 4.125%
HK$69,722
baseline
▲ 0.50% · 4.625%
HK$73,397
+HK$3,675/mo
Deposit HK$8.69M · loan HK$13.04M · min. income ≈ HK$139,444/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$922,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,369
−HK$4,351/mo
▼ 0.25% · 3.875%
HK$71,527
−HK$2,193/mo
Today · 4.125%
HK$73,720
baseline
▲ 0.50% · 4.625%
HK$78,205
+HK$4,485/mo
Deposit HK$6.52M · loan HK$15.21M · min. income ≈ HK$147,440/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$922,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,173
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$79,243
−HK$2,099/mo
Today · 4.125%
HK$81,342
baseline
▲ 0.50% · 4.625%
HK$85,630
+HK$4,288/mo
Deposit HK$6.52M · loan HK$15.21M · min. income ≈ HK$162,684/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$922,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,189
−HK$5,593/mo
▼ 0.25% · 3.875%
HK$91,964
−HK$2,818/mo
Today · 4.125%
HK$94,782
baseline
▲ 0.50% · 4.625%
HK$100,550
+HK$5,768/mo
Deposit HK$2.17M · loan HK$19.56M · min. income ≈ HK$189,564/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$922,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,222
−HK$5,361/mo
▼ 0.25% · 3.875%
HK$101,883
−HK$2,700/mo
Today · 4.125%
HK$104,583
baseline
▲ 0.50% · 4.625%
HK$110,096
+HK$5,513/mo
Deposit HK$2.17M · loan HK$19.56M · min. income ≈ HK$209,166/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$922,984 · Scale 2, in force from 26 Feb 2026)