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$49,571
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$51,113
−HK$1,566/mo
Today · 4.125%
HK$52,679
baseline
▲ 0.50% · 4.625%
HK$55,885
+HK$3,206/mo
Deposit HK$10.87M · loan HK$10.87M · min. income ≈ HK$105,358/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$923,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,147
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$56,626
−HK$1,500/mo
Today · 4.125%
HK$58,126
baseline
▲ 0.50% · 4.625%
HK$61,190
+HK$3,064/mo
Deposit HK$10.87M · loan HK$10.87M · min. income ≈ HK$116,252/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$923,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,485
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$61,335
−HK$1,880/mo
Today · 4.125%
HK$63,215
baseline
▲ 0.50% · 4.625%
HK$67,061
+HK$3,846/mo
Deposit HK$8.70M · loan HK$13.04M · min. income ≈ HK$126,430/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$923,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,176
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$67,951
−HK$1,800/mo
Today · 4.125%
HK$69,751
baseline
▲ 0.50% · 4.625%
HK$73,428
+HK$3,677/mo
Deposit HK$8.70M · loan HK$13.04M · min. income ≈ HK$139,502/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$923,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,399
−HK$4,352/mo
▼ 0.25% · 3.875%
HK$71,558
−HK$2,193/mo
Today · 4.125%
HK$73,751
baseline
▲ 0.50% · 4.625%
HK$78,238
+HK$4,487/mo
Deposit HK$6.52M · loan HK$15.22M · min. income ≈ HK$147,502/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$923,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,206
−HK$4,171/mo
▼ 0.25% · 3.875%
HK$79,276
−HK$2,101/mo
Today · 4.125%
HK$81,377
baseline
▲ 0.50% · 4.625%
HK$85,666
+HK$4,289/mo
Deposit HK$6.52M · loan HK$15.22M · min. income ≈ HK$162,754/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$923,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,227
−HK$5,595/mo
▼ 0.25% · 3.875%
HK$92,003
−HK$2,819/mo
Today · 4.125%
HK$94,822
baseline
▲ 0.50% · 4.625%
HK$100,592
+HK$5,770/mo
Deposit HK$2.17M · loan HK$19.57M · min. income ≈ HK$189,644/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$923,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,264
−HK$5,363/mo
▼ 0.25% · 3.875%
HK$101,926
−HK$2,701/mo
Today · 4.125%
HK$104,627
baseline
▲ 0.50% · 4.625%
HK$110,142
+HK$5,515/mo
Deposit HK$2.17M · loan HK$19.57M · min. income ≈ HK$209,254/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$923,906 · Scale 2, in force from 26 Feb 2026)