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$49,593
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$51,136
−HK$1,567/mo
Today · 4.125%
HK$52,703
baseline
▲ 0.50% · 4.625%
HK$55,910
+HK$3,207/mo
Deposit HK$10.87M · loan HK$10.87M · min. income ≈ HK$105,406/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$924,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,172
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$56,652
−HK$1,501/mo
Today · 4.125%
HK$58,153
baseline
▲ 0.50% · 4.625%
HK$61,218
+HK$3,065/mo
Deposit HK$10.87M · loan HK$10.87M · min. income ≈ HK$116,306/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$924,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,512
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$61,363
−HK$1,881/mo
Today · 4.125%
HK$63,244
baseline
▲ 0.50% · 4.625%
HK$67,092
+HK$3,848/mo
Deposit HK$8.70M · loan HK$13.05M · min. income ≈ HK$126,488/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$924,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,207
−HK$3,576/mo
▼ 0.25% · 3.875%
HK$67,982
−HK$1,801/mo
Today · 4.125%
HK$69,783
baseline
▲ 0.50% · 4.625%
HK$73,462
+HK$3,679/mo
Deposit HK$8.70M · loan HK$13.05M · min. income ≈ HK$139,566/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$924,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,431
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$71,590
−HK$2,195/mo
Today · 4.125%
HK$73,785
baseline
▲ 0.50% · 4.625%
HK$78,274
+HK$4,489/mo
Deposit HK$6.52M · loan HK$15.22M · min. income ≈ HK$147,570/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$924,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,241
−HK$4,173/mo
▼ 0.25% · 3.875%
HK$79,313
−HK$2,101/mo
Today · 4.125%
HK$81,414
baseline
▲ 0.50% · 4.625%
HK$85,706
+HK$4,292/mo
Deposit HK$6.52M · loan HK$15.22M · min. income ≈ HK$162,828/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$924,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,268
−HK$5,598/mo
▼ 0.25% · 3.875%
HK$92,045
−HK$2,821/mo
Today · 4.125%
HK$94,866
baseline
▲ 0.50% · 4.625%
HK$100,638
+HK$5,772/mo
Deposit HK$2.17M · loan HK$19.57M · min. income ≈ HK$189,732/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$924,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,310
−HK$5,365/mo
▼ 0.25% · 3.875%
HK$101,973
−HK$2,702/mo
Today · 4.125%
HK$104,675
baseline
▲ 0.50% · 4.625%
HK$110,193
+HK$5,518/mo
Deposit HK$2.17M · loan HK$19.57M · min. income ≈ HK$209,350/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$924,334 · Scale 2, in force from 26 Feb 2026)