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$49,528
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$51,068
−HK$1,565/mo
Today · 4.125%
HK$52,633
baseline
▲ 0.50% · 4.625%
HK$55,836
+HK$3,203/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$105,266/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$922,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,099
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$56,577
−HK$1,499/mo
Today · 4.125%
HK$58,076
baseline
▲ 0.50% · 4.625%
HK$61,137
+HK$3,061/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$116,152/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$922,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,433
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$61,282
−HK$1,878/mo
Today · 4.125%
HK$63,160
baseline
▲ 0.50% · 4.625%
HK$67,003
+HK$3,843/mo
Deposit HK$8.69M · loan HK$13.03M · min. income ≈ HK$126,320/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$922,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,119
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$67,892
−HK$1,799/mo
Today · 4.125%
HK$69,691
baseline
▲ 0.50% · 4.625%
HK$73,364
+HK$3,673/mo
Deposit HK$8.69M · loan HK$13.03M · min. income ≈ HK$139,382/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$922,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,339
−HK$4,348/mo
▼ 0.25% · 3.875%
HK$71,495
−HK$2,192/mo
Today · 4.125%
HK$73,687
baseline
▲ 0.50% · 4.625%
HK$78,170
+HK$4,483/mo
Deposit HK$6.52M · loan HK$15.20M · min. income ≈ HK$147,374/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$922,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,138
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$79,207
−HK$2,099/mo
Today · 4.125%
HK$81,306
baseline
▲ 0.50% · 4.625%
HK$85,592
+HK$4,286/mo
Deposit HK$6.52M · loan HK$15.20M · min. income ≈ HK$162,612/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$922,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,150
−HK$5,590/mo
▼ 0.25% · 3.875%
HK$91,923
−HK$2,817/mo
Today · 4.125%
HK$94,740
baseline
▲ 0.50% · 4.625%
HK$100,505
+HK$5,765/mo
Deposit HK$2.17M · loan HK$19.55M · min. income ≈ HK$189,480/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$922,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,178
−HK$5,358/mo
▼ 0.25% · 3.875%
HK$101,838
−HK$2,698/mo
Today · 4.125%
HK$104,536
baseline
▲ 0.50% · 4.625%
HK$110,047
+HK$5,511/mo
Deposit HK$2.17M · loan HK$19.55M · min. income ≈ HK$209,072/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$922,017 · Scale 2, in force from 26 Feb 2026)