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$49,572
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$51,114
−HK$1,567/mo
Today · 4.125%
HK$52,681
baseline
▲ 0.50% · 4.625%
HK$55,886
+HK$3,205/mo
Deposit HK$10.87M · loan HK$10.87M · min. income ≈ HK$105,362/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$923,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,149
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$56,628
−HK$1,500/mo
Today · 4.125%
HK$58,128
baseline
▲ 0.50% · 4.625%
HK$61,192
+HK$3,064/mo
Deposit HK$10.87M · loan HK$10.87M · min. income ≈ HK$116,256/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$923,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,487
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$61,337
−HK$1,880/mo
Today · 4.125%
HK$63,217
baseline
▲ 0.50% · 4.625%
HK$67,064
+HK$3,847/mo
Deposit HK$8.70M · loan HK$13.04M · min. income ≈ HK$126,434/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$923,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,178
−HK$3,576/mo
▼ 0.25% · 3.875%
HK$67,953
−HK$1,801/mo
Today · 4.125%
HK$69,754
baseline
▲ 0.50% · 4.625%
HK$73,431
+HK$3,677/mo
Deposit HK$8.70M · loan HK$13.04M · min. income ≈ HK$139,508/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$923,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,401
−HK$4,352/mo
▼ 0.25% · 3.875%
HK$71,560
−HK$2,193/mo
Today · 4.125%
HK$73,753
baseline
▲ 0.50% · 4.625%
HK$78,241
+HK$4,488/mo
Deposit HK$6.52M · loan HK$15.22M · min. income ≈ HK$147,506/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$923,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,208
−HK$4,171/mo
▼ 0.25% · 3.875%
HK$79,279
−HK$2,100/mo
Today · 4.125%
HK$81,379
baseline
▲ 0.50% · 4.625%
HK$85,669
+HK$4,290/mo
Deposit HK$6.52M · loan HK$15.22M · min. income ≈ HK$162,758/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$923,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,230
−HK$5,595/mo
▼ 0.25% · 3.875%
HK$92,006
−HK$2,819/mo
Today · 4.125%
HK$94,825
baseline
▲ 0.50% · 4.625%
HK$100,595
+HK$5,770/mo
Deposit HK$2.17M · loan HK$19.57M · min. income ≈ HK$189,650/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$923,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,267
−HK$5,364/mo
▼ 0.25% · 3.875%
HK$101,930
−HK$2,701/mo
Today · 4.125%
HK$104,631
baseline
▲ 0.50% · 4.625%
HK$110,146
+HK$5,515/mo
Deposit HK$2.17M · loan HK$19.57M · min. income ≈ HK$209,262/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$923,940 · Scale 2, in force from 26 Feb 2026)