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$49,659
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$51,204
−HK$1,569/mo
Today · 4.125%
HK$52,773
baseline
▲ 0.50% · 4.625%
HK$55,984
+HK$3,211/mo
Deposit HK$10.89M · loan HK$10.89M · min. income ≈ HK$105,546/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$925,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,245
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$56,727
−HK$1,503/mo
Today · 4.125%
HK$58,230
baseline
▲ 0.50% · 4.625%
HK$61,299
+HK$3,069/mo
Deposit HK$10.89M · loan HK$10.89M · min. income ≈ HK$116,460/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$925,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,591
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$61,444
−HK$1,884/mo
Today · 4.125%
HK$63,328
baseline
▲ 0.50% · 4.625%
HK$67,181
+HK$3,853/mo
Deposit HK$8.71M · loan HK$13.07M · min. income ≈ HK$126,656/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$925,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,294
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$68,072
−HK$1,804/mo
Today · 4.125%
HK$69,876
baseline
▲ 0.50% · 4.625%
HK$73,559
+HK$3,683/mo
Deposit HK$8.71M · loan HK$13.07M · min. income ≈ HK$139,752/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$925,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,522
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$71,685
−HK$2,197/mo
Today · 4.125%
HK$73,882
baseline
▲ 0.50% · 4.625%
HK$78,378
+HK$4,496/mo
Deposit HK$6.53M · loan HK$15.24M · min. income ≈ HK$147,764/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$925,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,343
−HK$4,179/mo
▼ 0.25% · 3.875%
HK$79,417
−HK$2,105/mo
Today · 4.125%
HK$81,522
baseline
▲ 0.50% · 4.625%
HK$85,819
+HK$4,297/mo
Deposit HK$6.53M · loan HK$15.24M · min. income ≈ HK$163,044/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$925,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,386
−HK$5,605/mo
▼ 0.25% · 3.875%
HK$92,166
−HK$2,825/mo
Today · 4.125%
HK$94,991
baseline
▲ 0.50% · 4.625%
HK$100,771
+HK$5,780/mo
Deposit HK$2.18M · loan HK$19.60M · min. income ≈ HK$189,982/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,441
−HK$5,373/mo
▼ 0.25% · 3.875%
HK$102,108
−HK$2,706/mo
Today · 4.125%
HK$104,814
baseline
▲ 0.50% · 4.625%
HK$110,338
+HK$5,524/mo
Deposit HK$2.18M · loan HK$19.60M · min. income ≈ HK$209,628/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,556 · Scale 2, in force from 26 Feb 2026)