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$49,536
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$51,077
−HK$1,566/mo
Today · 4.125%
HK$52,643
baseline
▲ 0.50% · 4.625%
HK$55,846
+HK$3,203/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$105,286/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$922,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,109
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$56,587
−HK$1,499/mo
Today · 4.125%
HK$58,086
baseline
▲ 0.50% · 4.625%
HK$61,148
+HK$3,062/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$116,172/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$922,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,444
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$61,293
−HK$1,878/mo
Today · 4.125%
HK$63,171
baseline
▲ 0.50% · 4.625%
HK$67,015
+HK$3,844/mo
Deposit HK$8.69M · loan HK$13.03M · min. income ≈ HK$126,342/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$922,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,131
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$67,904
−HK$1,799/mo
Today · 4.125%
HK$69,703
baseline
▲ 0.50% · 4.625%
HK$73,378
+HK$3,675/mo
Deposit HK$8.69M · loan HK$13.03M · min. income ≈ HK$139,406/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$922,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,351
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$71,508
−HK$2,192/mo
Today · 4.125%
HK$73,700
baseline
▲ 0.50% · 4.625%
HK$78,184
+HK$4,484/mo
Deposit HK$6.52M · loan HK$15.21M · min. income ≈ HK$147,400/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$922,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,152
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$79,222
−HK$2,099/mo
Today · 4.125%
HK$81,321
baseline
▲ 0.50% · 4.625%
HK$85,607
+HK$4,286/mo
Deposit HK$6.52M · loan HK$15.21M · min. income ≈ HK$162,642/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$922,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,166
−HK$5,591/mo
▼ 0.25% · 3.875%
HK$91,939
−HK$2,818/mo
Today · 4.125%
HK$94,757
baseline
▲ 0.50% · 4.625%
HK$100,523
+HK$5,766/mo
Deposit HK$2.17M · loan HK$19.55M · min. income ≈ HK$189,514/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$922,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,196
−HK$5,359/mo
▼ 0.25% · 3.875%
HK$101,856
−HK$2,699/mo
Today · 4.125%
HK$104,555
baseline
▲ 0.50% · 4.625%
HK$110,066
+HK$5,511/mo
Deposit HK$2.17M · loan HK$19.55M · min. income ≈ HK$209,110/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$922,408 · Scale 2, in force from 26 Feb 2026)