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$49,824
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$51,374
−HK$1,575/mo
Today · 4.125%
HK$52,949
baseline
▲ 0.50% · 4.625%
HK$56,171
+HK$3,222/mo
Deposit HK$10.93M · loan HK$10.93M · min. income ≈ HK$105,898/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$928,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,429
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$56,916
−HK$1,508/mo
Today · 4.125%
HK$58,424
baseline
▲ 0.50% · 4.625%
HK$61,503
+HK$3,079/mo
Deposit HK$10.93M · loan HK$10.93M · min. income ≈ HK$116,848/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$928,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,789
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$61,649
−HK$1,890/mo
Today · 4.125%
HK$63,539
baseline
▲ 0.50% · 4.625%
HK$67,405
+HK$3,866/mo
Deposit HK$8.74M · loan HK$13.11M · min. income ≈ HK$127,078/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$928,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,515
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$68,299
−HK$1,810/mo
Today · 4.125%
HK$70,109
baseline
▲ 0.50% · 4.625%
HK$73,804
+HK$3,695/mo
Deposit HK$8.74M · loan HK$13.11M · min. income ≈ HK$140,218/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$928,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,754
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$71,924
−HK$2,204/mo
Today · 4.125%
HK$74,128
baseline
▲ 0.50% · 4.625%
HK$78,639
+HK$4,511/mo
Deposit HK$6.56M · loan HK$15.30M · min. income ≈ HK$148,256/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$928,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,601
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$79,682
−HK$2,111/mo
Today · 4.125%
HK$81,793
baseline
▲ 0.50% · 4.625%
HK$86,105
+HK$4,312/mo
Deposit HK$6.56M · loan HK$15.30M · min. income ≈ HK$163,586/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$928,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,684
−HK$5,624/mo
▼ 0.25% · 3.875%
HK$92,474
−HK$2,834/mo
Today · 4.125%
HK$95,308
baseline
▲ 0.50% · 4.625%
HK$101,107
+HK$5,799/mo
Deposit HK$2.19M · loan HK$19.67M · min. income ≈ HK$190,616/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,773
−HK$5,390/mo
▼ 0.25% · 3.875%
HK$102,448
−HK$2,715/mo
Today · 4.125%
HK$105,163
baseline
▲ 0.50% · 4.625%
HK$110,706
+HK$5,543/mo
Deposit HK$2.19M · loan HK$19.67M · min. income ≈ HK$210,326/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,641 · Scale 2, in force from 26 Feb 2026)