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$49,548
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$51,089
−HK$1,566/mo
Today · 4.125%
HK$52,655
baseline
▲ 0.50% · 4.625%
HK$55,858
+HK$3,203/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$105,310/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$922,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,121
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$56,599
−HK$1,500/mo
Today · 4.125%
HK$58,099
baseline
▲ 0.50% · 4.625%
HK$61,162
+HK$3,063/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$116,198/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$922,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,457
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$61,306
−HK$1,879/mo
Today · 4.125%
HK$63,185
baseline
▲ 0.50% · 4.625%
HK$67,030
+HK$3,845/mo
Deposit HK$8.69M · loan HK$13.04M · min. income ≈ HK$126,370/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$922,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,145
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$67,919
−HK$1,800/mo
Today · 4.125%
HK$69,719
baseline
▲ 0.50% · 4.625%
HK$73,394
+HK$3,675/mo
Deposit HK$8.69M · loan HK$13.04M · min. income ≈ HK$139,438/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$922,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,367
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$71,524
−HK$2,192/mo
Today · 4.125%
HK$73,716
baseline
▲ 0.50% · 4.625%
HK$78,202
+HK$4,486/mo
Deposit HK$6.52M · loan HK$15.21M · min. income ≈ HK$147,432/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$922,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,170
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$79,239
−HK$2,100/mo
Today · 4.125%
HK$81,339
baseline
▲ 0.50% · 4.625%
HK$85,626
+HK$4,287/mo
Deposit HK$6.52M · loan HK$15.21M · min. income ≈ HK$162,678/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$922,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,186
−HK$5,592/mo
▼ 0.25% · 3.875%
HK$91,960
−HK$2,818/mo
Today · 4.125%
HK$94,778
baseline
▲ 0.50% · 4.625%
HK$100,545
+HK$5,767/mo
Deposit HK$2.17M · loan HK$19.56M · min. income ≈ HK$189,556/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$922,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,218
−HK$5,360/mo
▼ 0.25% · 3.875%
HK$101,879
−HK$2,699/mo
Today · 4.125%
HK$104,578
baseline
▲ 0.50% · 4.625%
HK$110,091
+HK$5,513/mo
Deposit HK$2.17M · loan HK$19.56M · min. income ≈ HK$209,156/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$922,892 · Scale 2, in force from 26 Feb 2026)