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$49,671
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$51,216
−HK$1,570/mo
Today · 4.125%
HK$52,786
baseline
▲ 0.50% · 4.625%
HK$55,998
+HK$3,212/mo
Deposit HK$10.89M · loan HK$10.89M · min. income ≈ HK$105,572/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$925,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,259
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$56,741
−HK$1,503/mo
Today · 4.125%
HK$58,244
baseline
▲ 0.50% · 4.625%
HK$61,314
+HK$3,070/mo
Deposit HK$10.89M · loan HK$10.89M · min. income ≈ HK$116,488/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$925,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,605
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$61,459
−HK$1,884/mo
Today · 4.125%
HK$63,343
baseline
▲ 0.50% · 4.625%
HK$67,197
+HK$3,854/mo
Deposit HK$8.71M · loan HK$13.07M · min. income ≈ HK$126,686/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$925,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,310
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$68,089
−HK$1,804/mo
Today · 4.125%
HK$69,893
baseline
▲ 0.50% · 4.625%
HK$73,577
+HK$3,684/mo
Deposit HK$8.71M · loan HK$13.07M · min. income ≈ HK$139,786/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$925,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,540
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$71,703
−HK$2,197/mo
Today · 4.125%
HK$73,900
baseline
▲ 0.50% · 4.625%
HK$78,397
+HK$4,497/mo
Deposit HK$6.53M · loan HK$15.25M · min. income ≈ HK$147,800/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$925,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,362
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$79,437
−HK$2,105/mo
Today · 4.125%
HK$81,542
baseline
▲ 0.50% · 4.625%
HK$85,840
+HK$4,298/mo
Deposit HK$6.53M · loan HK$15.25M · min. income ≈ HK$163,084/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$925,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,408
−HK$5,607/mo
▼ 0.25% · 3.875%
HK$92,189
−HK$2,826/mo
Today · 4.125%
HK$95,015
baseline
▲ 0.50% · 4.625%
HK$100,796
+HK$5,781/mo
Deposit HK$2.18M · loan HK$19.60M · min. income ≈ HK$190,030/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,466
−HK$5,373/mo
▼ 0.25% · 3.875%
HK$102,133
−HK$2,706/mo
Today · 4.125%
HK$104,839
baseline
▲ 0.50% · 4.625%
HK$110,366
+HK$5,527/mo
Deposit HK$2.18M · loan HK$19.60M · min. income ≈ HK$209,678/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,784 · Scale 2, in force from 26 Feb 2026)