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$49,562
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$51,104
−HK$1,566/mo
Today · 4.125%
HK$52,670
baseline
▲ 0.50% · 4.625%
HK$55,875
+HK$3,205/mo
Deposit HK$10.87M · loan HK$10.87M · min. income ≈ HK$105,340/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$923,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,138
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$56,616
−HK$1,501/mo
Today · 4.125%
HK$58,117
baseline
▲ 0.50% · 4.625%
HK$61,180
+HK$3,063/mo
Deposit HK$10.87M · loan HK$10.87M · min. income ≈ HK$116,234/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$923,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,475
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$61,325
−HK$1,880/mo
Today · 4.125%
HK$63,205
baseline
▲ 0.50% · 4.625%
HK$67,050
+HK$3,845/mo
Deposit HK$8.69M · loan HK$13.04M · min. income ≈ HK$126,410/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$923,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,165
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$67,940
−HK$1,800/mo
Today · 4.125%
HK$69,740
baseline
▲ 0.50% · 4.625%
HK$73,416
+HK$3,676/mo
Deposit HK$8.69M · loan HK$13.04M · min. income ≈ HK$139,480/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$923,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,387
−HK$4,352/mo
▼ 0.25% · 3.875%
HK$71,546
−HK$2,193/mo
Today · 4.125%
HK$73,739
baseline
▲ 0.50% · 4.625%
HK$78,225
+HK$4,486/mo
Deposit HK$6.52M · loan HK$15.21M · min. income ≈ HK$147,478/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$923,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,193
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$79,263
−HK$2,100/mo
Today · 4.125%
HK$81,363
baseline
▲ 0.50% · 4.625%
HK$85,652
+HK$4,289/mo
Deposit HK$6.52M · loan HK$15.21M · min. income ≈ HK$162,726/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$923,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,212
−HK$5,595/mo
▼ 0.25% · 3.875%
HK$91,987
−HK$2,820/mo
Today · 4.125%
HK$94,807
baseline
▲ 0.50% · 4.625%
HK$100,576
+HK$5,769/mo
Deposit HK$2.17M · loan HK$19.56M · min. income ≈ HK$189,614/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$923,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,248
−HK$5,362/mo
▼ 0.25% · 3.875%
HK$101,910
−HK$2,700/mo
Today · 4.125%
HK$104,610
baseline
▲ 0.50% · 4.625%
HK$110,124
+HK$5,514/mo
Deposit HK$2.17M · loan HK$19.56M · min. income ≈ HK$209,220/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$923,546 · Scale 2, in force from 26 Feb 2026)