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$49,612
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$51,155
−HK$1,568/mo
Today · 4.125%
HK$52,723
baseline
▲ 0.50% · 4.625%
HK$55,931
+HK$3,208/mo
Deposit HK$10.88M · loan HK$10.88M · min. income ≈ HK$105,446/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$924,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,193
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$56,673
−HK$1,502/mo
Today · 4.125%
HK$58,175
baseline
▲ 0.50% · 4.625%
HK$61,241
+HK$3,066/mo
Deposit HK$10.88M · loan HK$10.88M · min. income ≈ HK$116,350/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$924,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,534
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$61,386
−HK$1,882/mo
Today · 4.125%
HK$63,268
baseline
▲ 0.50% · 4.625%
HK$67,117
+HK$3,849/mo
Deposit HK$8.70M · loan HK$13.05M · min. income ≈ HK$126,536/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$924,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,231
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$68,008
−HK$1,802/mo
Today · 4.125%
HK$69,810
baseline
▲ 0.50% · 4.625%
HK$73,490
+HK$3,680/mo
Deposit HK$8.70M · loan HK$13.05M · min. income ≈ HK$139,620/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$924,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,457
−HK$4,355/mo
▼ 0.25% · 3.875%
HK$71,617
−HK$2,195/mo
Today · 4.125%
HK$73,812
baseline
▲ 0.50% · 4.625%
HK$78,304
+HK$4,492/mo
Deposit HK$6.53M · loan HK$15.23M · min. income ≈ HK$147,624/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$924,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,270
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$79,342
−HK$2,103/mo
Today · 4.125%
HK$81,445
baseline
▲ 0.50% · 4.625%
HK$85,738
+HK$4,293/mo
Deposit HK$6.53M · loan HK$15.23M · min. income ≈ HK$162,890/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$924,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,302
−HK$5,600/mo
▼ 0.25% · 3.875%
HK$92,079
−HK$2,823/mo
Today · 4.125%
HK$94,902
baseline
▲ 0.50% · 4.625%
HK$100,676
+HK$5,774/mo
Deposit HK$2.18M · loan HK$19.58M · min. income ≈ HK$189,804/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$924,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,347
−HK$5,368/mo
▼ 0.25% · 3.875%
HK$102,012
−HK$2,703/mo
Today · 4.125%
HK$104,715
baseline
▲ 0.50% · 4.625%
HK$110,234
+HK$5,519/mo
Deposit HK$2.18M · loan HK$19.58M · min. income ≈ HK$209,430/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$924,682 · Scale 2, in force from 26 Feb 2026)