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$49,624
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$51,167
−HK$1,569/mo
Today · 4.125%
HK$52,736
baseline
▲ 0.50% · 4.625%
HK$55,944
+HK$3,208/mo
Deposit HK$10.88M · loan HK$10.88M · min. income ≈ HK$105,472/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$924,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,206
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$56,687
−HK$1,502/mo
Today · 4.125%
HK$58,189
baseline
▲ 0.50% · 4.625%
HK$61,256
+HK$3,067/mo
Deposit HK$10.88M · loan HK$10.88M · min. income ≈ HK$116,378/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$924,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,549
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$61,401
−HK$1,882/mo
Today · 4.125%
HK$63,283
baseline
▲ 0.50% · 4.625%
HK$67,133
+HK$3,850/mo
Deposit HK$8.70M · loan HK$13.06M · min. income ≈ HK$126,566/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$924,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,247
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$68,024
−HK$1,802/mo
Today · 4.125%
HK$69,826
baseline
▲ 0.50% · 4.625%
HK$73,507
+HK$3,681/mo
Deposit HK$8.70M · loan HK$13.06M · min. income ≈ HK$139,652/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$924,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,473
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$71,634
−HK$2,196/mo
Today · 4.125%
HK$73,830
baseline
▲ 0.50% · 4.625%
HK$78,322
+HK$4,492/mo
Deposit HK$6.53M · loan HK$15.23M · min. income ≈ HK$147,660/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$924,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,288
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$79,361
−HK$2,103/mo
Today · 4.125%
HK$81,464
baseline
▲ 0.50% · 4.625%
HK$85,758
+HK$4,294/mo
Deposit HK$6.53M · loan HK$15.23M · min. income ≈ HK$162,928/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$924,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,323
−HK$5,601/mo
▼ 0.25% · 3.875%
HK$92,101
−HK$2,823/mo
Today · 4.125%
HK$94,924
baseline
▲ 0.50% · 4.625%
HK$100,700
+HK$5,776/mo
Deposit HK$2.18M · loan HK$19.59M · min. income ≈ HK$189,848/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$924,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,371
−HK$5,368/mo
▼ 0.25% · 3.875%
HK$102,036
−HK$2,703/mo
Today · 4.125%
HK$104,739
baseline
▲ 0.50% · 4.625%
HK$110,260
+HK$5,521/mo
Deposit HK$2.18M · loan HK$19.59M · min. income ≈ HK$209,478/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$924,901 · Scale 2, in force from 26 Feb 2026)