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$49,618
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$51,161
−HK$1,568/mo
Today · 4.125%
HK$52,729
baseline
▲ 0.50% · 4.625%
HK$55,938
+HK$3,209/mo
Deposit HK$10.88M · loan HK$10.88M · min. income ≈ HK$105,458/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$924,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,199
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$56,680
−HK$1,502/mo
Today · 4.125%
HK$58,182
baseline
▲ 0.50% · 4.625%
HK$61,248
+HK$3,066/mo
Deposit HK$10.88M · loan HK$10.88M · min. income ≈ HK$116,364/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$924,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,541
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$61,393
−HK$1,882/mo
Today · 4.125%
HK$63,275
baseline
▲ 0.50% · 4.625%
HK$67,125
+HK$3,850/mo
Deposit HK$8.70M · loan HK$13.06M · min. income ≈ HK$126,550/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$924,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,239
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$68,016
−HK$1,802/mo
Today · 4.125%
HK$69,818
baseline
▲ 0.50% · 4.625%
HK$73,498
+HK$3,680/mo
Deposit HK$8.70M · loan HK$13.06M · min. income ≈ HK$139,636/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$924,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,465
−HK$4,356/mo
▼ 0.25% · 3.875%
HK$71,626
−HK$2,195/mo
Today · 4.125%
HK$73,821
baseline
▲ 0.50% · 4.625%
HK$78,313
+HK$4,492/mo
Deposit HK$6.53M · loan HK$15.23M · min. income ≈ HK$147,642/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$924,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,279
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$79,352
−HK$2,102/mo
Today · 4.125%
HK$81,454
baseline
▲ 0.50% · 4.625%
HK$85,748
+HK$4,294/mo
Deposit HK$6.53M · loan HK$15.23M · min. income ≈ HK$162,908/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$924,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,312
−HK$5,601/mo
▼ 0.25% · 3.875%
HK$92,090
−HK$2,823/mo
Today · 4.125%
HK$94,913
baseline
▲ 0.50% · 4.625%
HK$100,688
+HK$5,775/mo
Deposit HK$2.18M · loan HK$19.58M · min. income ≈ HK$189,826/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$924,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,359
−HK$5,368/mo
▼ 0.25% · 3.875%
HK$102,024
−HK$2,703/mo
Today · 4.125%
HK$104,727
baseline
▲ 0.50% · 4.625%
HK$110,247
+HK$5,520/mo
Deposit HK$2.18M · loan HK$19.58M · min. income ≈ HK$209,454/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$924,790 · Scale 2, in force from 26 Feb 2026)