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$49,546
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$51,087
−HK$1,565/mo
Today · 4.125%
HK$52,652
baseline
▲ 0.50% · 4.625%
HK$55,856
+HK$3,204/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$105,304/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$922,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,119
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$56,597
−HK$1,500/mo
Today · 4.125%
HK$58,097
baseline
▲ 0.50% · 4.625%
HK$61,159
+HK$3,062/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$116,194/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$922,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,455
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$61,304
−HK$1,879/mo
Today · 4.125%
HK$63,183
baseline
▲ 0.50% · 4.625%
HK$67,028
+HK$3,845/mo
Deposit HK$8.69M · loan HK$13.04M · min. income ≈ HK$126,366/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$922,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,143
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$67,917
−HK$1,799/mo
Today · 4.125%
HK$69,716
baseline
▲ 0.50% · 4.625%
HK$73,391
+HK$3,675/mo
Deposit HK$8.69M · loan HK$13.04M · min. income ≈ HK$139,432/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$922,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,364
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$71,521
−HK$2,192/mo
Today · 4.125%
HK$73,713
baseline
▲ 0.50% · 4.625%
HK$78,199
+HK$4,486/mo
Deposit HK$6.52M · loan HK$15.21M · min. income ≈ HK$147,426/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$922,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,166
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$79,236
−HK$2,100/mo
Today · 4.125%
HK$81,336
baseline
▲ 0.50% · 4.625%
HK$85,623
+HK$4,287/mo
Deposit HK$6.52M · loan HK$15.21M · min. income ≈ HK$162,672/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$922,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,182
−HK$5,592/mo
▼ 0.25% · 3.875%
HK$91,956
−HK$2,818/mo
Today · 4.125%
HK$94,774
baseline
▲ 0.50% · 4.625%
HK$100,541
+HK$5,767/mo
Deposit HK$2.17M · loan HK$19.56M · min. income ≈ HK$189,548/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$922,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,214
−HK$5,360/mo
▼ 0.25% · 3.875%
HK$101,875
−HK$2,699/mo
Today · 4.125%
HK$104,574
baseline
▲ 0.50% · 4.625%
HK$110,087
+HK$5,513/mo
Deposit HK$2.17M · loan HK$19.56M · min. income ≈ HK$209,148/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$922,806 · Scale 2, in force from 26 Feb 2026)