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$49,645
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$51,190
−HK$1,568/mo
Today · 4.125%
HK$52,758
baseline
▲ 0.50% · 4.625%
HK$55,969
+HK$3,211/mo
Deposit HK$10.89M · loan HK$10.89M · min. income ≈ HK$105,516/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$925,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,230
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$56,711
−HK$1,503/mo
Today · 4.125%
HK$58,214
baseline
▲ 0.50% · 4.625%
HK$61,282
+HK$3,068/mo
Deposit HK$10.89M · loan HK$10.89M · min. income ≈ HK$116,428/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$925,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,574
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$61,427
−HK$1,883/mo
Today · 4.125%
HK$63,310
baseline
▲ 0.50% · 4.625%
HK$67,162
+HK$3,852/mo
Deposit HK$8.71M · loan HK$13.06M · min. income ≈ HK$126,620/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$925,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,276
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$68,053
−HK$1,804/mo
Today · 4.125%
HK$69,857
baseline
▲ 0.50% · 4.625%
HK$73,539
+HK$3,682/mo
Deposit HK$8.71M · loan HK$13.06M · min. income ≈ HK$139,714/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$925,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,503
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$71,665
−HK$2,197/mo
Today · 4.125%
HK$73,862
baseline
▲ 0.50% · 4.625%
HK$78,356
+HK$4,494/mo
Deposit HK$6.53M · loan HK$15.24M · min. income ≈ HK$147,724/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$925,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,322
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$79,396
−HK$2,103/mo
Today · 4.125%
HK$81,499
baseline
▲ 0.50% · 4.625%
HK$85,795
+HK$4,296/mo
Deposit HK$6.53M · loan HK$15.24M · min. income ≈ HK$162,998/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$925,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,362
−HK$5,603/mo
▼ 0.25% · 3.875%
HK$92,141
−HK$2,824/mo
Today · 4.125%
HK$94,965
baseline
▲ 0.50% · 4.625%
HK$100,744
+HK$5,779/mo
Deposit HK$2.18M · loan HK$19.59M · min. income ≈ HK$189,930/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,414
−HK$5,371/mo
▼ 0.25% · 3.875%
HK$102,080
−HK$2,705/mo
Today · 4.125%
HK$104,785
baseline
▲ 0.50% · 4.625%
HK$110,308
+HK$5,523/mo
Deposit HK$2.18M · loan HK$19.59M · min. income ≈ HK$209,570/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,302 · Scale 2, in force from 26 Feb 2026)