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$49,646
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$51,190
−HK$1,569/mo
Today · 4.125%
HK$52,759
baseline
▲ 0.50% · 4.625%
HK$55,969
+HK$3,210/mo
Deposit HK$10.89M · loan HK$10.89M · min. income ≈ HK$105,518/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$925,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,230
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$56,712
−HK$1,502/mo
Today · 4.125%
HK$58,214
baseline
▲ 0.50% · 4.625%
HK$61,283
+HK$3,069/mo
Deposit HK$10.89M · loan HK$10.89M · min. income ≈ HK$116,428/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$925,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,575
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$61,428
−HK$1,883/mo
Today · 4.125%
HK$63,311
baseline
▲ 0.50% · 4.625%
HK$67,163
+HK$3,852/mo
Deposit HK$8.71M · loan HK$13.06M · min. income ≈ HK$126,622/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$925,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,277
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$68,054
−HK$1,803/mo
Today · 4.125%
HK$69,857
baseline
▲ 0.50% · 4.625%
HK$73,540
+HK$3,683/mo
Deposit HK$8.71M · loan HK$13.06M · min. income ≈ HK$139,714/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$925,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,504
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$71,666
−HK$2,197/mo
Today · 4.125%
HK$73,863
baseline
▲ 0.50% · 4.625%
HK$78,357
+HK$4,494/mo
Deposit HK$6.53M · loan HK$15.24M · min. income ≈ HK$147,726/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$925,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,323
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$79,396
−HK$2,104/mo
Today · 4.125%
HK$81,500
baseline
▲ 0.50% · 4.625%
HK$85,796
+HK$4,296/mo
Deposit HK$6.53M · loan HK$15.24M · min. income ≈ HK$163,000/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$925,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,362
−HK$5,604/mo
▼ 0.25% · 3.875%
HK$92,142
−HK$2,824/mo
Today · 4.125%
HK$94,966
baseline
▲ 0.50% · 4.625%
HK$100,745
+HK$5,779/mo
Deposit HK$2.18M · loan HK$19.59M · min. income ≈ HK$189,932/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,415
−HK$5,371/mo
▼ 0.25% · 3.875%
HK$102,081
−HK$2,705/mo
Today · 4.125%
HK$104,786
baseline
▲ 0.50% · 4.625%
HK$110,309
+HK$5,523/mo
Deposit HK$2.18M · loan HK$19.59M · min. income ≈ HK$209,572/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,312 · Scale 2, in force from 26 Feb 2026)