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$49,525
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$51,066
−HK$1,565/mo
Today · 4.125%
HK$52,631
baseline
▲ 0.50% · 4.625%
HK$55,833
+HK$3,202/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$105,262/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$921,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,096
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$56,574
−HK$1,499/mo
Today · 4.125%
HK$58,073
baseline
▲ 0.50% · 4.625%
HK$61,134
+HK$3,061/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$116,146/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$921,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,430
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$61,279
−HK$1,878/mo
Today · 4.125%
HK$63,157
baseline
▲ 0.50% · 4.625%
HK$67,000
+HK$3,843/mo
Deposit HK$8.69M · loan HK$13.03M · min. income ≈ HK$126,314/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$921,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,116
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$67,889
−HK$1,799/mo
Today · 4.125%
HK$69,688
baseline
▲ 0.50% · 4.625%
HK$73,361
+HK$3,673/mo
Deposit HK$8.69M · loan HK$13.03M · min. income ≈ HK$139,376/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$921,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,335
−HK$4,348/mo
▼ 0.25% · 3.875%
HK$71,492
−HK$2,191/mo
Today · 4.125%
HK$73,683
baseline
▲ 0.50% · 4.625%
HK$78,167
+HK$4,484/mo
Deposit HK$6.52M · loan HK$15.20M · min. income ≈ HK$147,366/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$921,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,135
−HK$4,167/mo
▼ 0.25% · 3.875%
HK$79,204
−HK$2,098/mo
Today · 4.125%
HK$81,302
baseline
▲ 0.50% · 4.625%
HK$85,588
+HK$4,286/mo
Deposit HK$6.52M · loan HK$15.20M · min. income ≈ HK$162,604/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$921,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,146
−HK$5,590/mo
▼ 0.25% · 3.875%
HK$91,919
−HK$2,817/mo
Today · 4.125%
HK$94,736
baseline
▲ 0.50% · 4.625%
HK$100,500
+HK$5,764/mo
Deposit HK$2.17M · loan HK$19.55M · min. income ≈ HK$189,472/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$921,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,174
−HK$5,358/mo
▼ 0.25% · 3.875%
HK$101,833
−HK$2,699/mo
Today · 4.125%
HK$104,532
baseline
▲ 0.50% · 4.625%
HK$110,042
+HK$5,510/mo
Deposit HK$2.17M · loan HK$19.55M · min. income ≈ HK$209,064/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$921,920 · Scale 2, in force from 26 Feb 2026)