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$49,575
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$51,117
−HK$1,567/mo
Today · 4.125%
HK$52,684
baseline
▲ 0.50% · 4.625%
HK$55,890
+HK$3,206/mo
Deposit HK$10.87M · loan HK$10.87M · min. income ≈ HK$105,368/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$923,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,152
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$56,631
−HK$1,501/mo
Today · 4.125%
HK$58,132
baseline
▲ 0.50% · 4.625%
HK$61,196
+HK$3,064/mo
Deposit HK$10.87M · loan HK$10.87M · min. income ≈ HK$116,264/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$923,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,490
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$61,341
−HK$1,880/mo
Today · 4.125%
HK$63,221
baseline
▲ 0.50% · 4.625%
HK$67,068
+HK$3,847/mo
Deposit HK$8.70M · loan HK$13.04M · min. income ≈ HK$126,442/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$923,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,182
−HK$3,576/mo
▼ 0.25% · 3.875%
HK$67,957
−HK$1,801/mo
Today · 4.125%
HK$69,758
baseline
▲ 0.50% · 4.625%
HK$73,435
+HK$3,677/mo
Deposit HK$8.70M · loan HK$13.04M · min. income ≈ HK$139,516/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$923,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,405
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$71,564
−HK$2,194/mo
Today · 4.125%
HK$73,758
baseline
▲ 0.50% · 4.625%
HK$78,246
+HK$4,488/mo
Deposit HK$6.52M · loan HK$15.22M · min. income ≈ HK$147,516/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$923,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,213
−HK$4,171/mo
▼ 0.25% · 3.875%
HK$79,284
−HK$2,100/mo
Today · 4.125%
HK$81,384
baseline
▲ 0.50% · 4.625%
HK$85,674
+HK$4,290/mo
Deposit HK$6.52M · loan HK$15.22M · min. income ≈ HK$162,768/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$923,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,236
−HK$5,595/mo
▼ 0.25% · 3.875%
HK$92,011
−HK$2,820/mo
Today · 4.125%
HK$94,831
baseline
▲ 0.50% · 4.625%
HK$100,602
+HK$5,771/mo
Deposit HK$2.17M · loan HK$19.57M · min. income ≈ HK$189,662/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$923,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,274
−HK$5,363/mo
▼ 0.25% · 3.875%
HK$101,936
−HK$2,701/mo
Today · 4.125%
HK$104,637
baseline
▲ 0.50% · 4.625%
HK$110,153
+HK$5,516/mo
Deposit HK$2.17M · loan HK$19.57M · min. income ≈ HK$209,274/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$923,997 · Scale 2, in force from 26 Feb 2026)