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$49,524
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$51,064
−HK$1,565/mo
Today · 4.125%
HK$52,629
baseline
▲ 0.50% · 4.625%
HK$55,832
+HK$3,203/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$105,258/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$921,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,095
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$56,572
−HK$1,499/mo
Today · 4.125%
HK$58,071
baseline
▲ 0.50% · 4.625%
HK$61,132
+HK$3,061/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$116,142/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$921,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,429
−HK$3,726/mo
▼ 0.25% · 3.875%
HK$61,277
−HK$1,878/mo
Today · 4.125%
HK$63,155
baseline
▲ 0.50% · 4.625%
HK$66,998
+HK$3,843/mo
Deposit HK$8.69M · loan HK$13.03M · min. income ≈ HK$126,310/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$921,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,114
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$67,887
−HK$1,799/mo
Today · 4.125%
HK$69,686
baseline
▲ 0.50% · 4.625%
HK$73,359
+HK$3,673/mo
Deposit HK$8.69M · loan HK$13.03M · min. income ≈ HK$139,372/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$921,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,333
−HK$4,348/mo
▼ 0.25% · 3.875%
HK$71,490
−HK$2,191/mo
Today · 4.125%
HK$73,681
baseline
▲ 0.50% · 4.625%
HK$78,165
+HK$4,484/mo
Deposit HK$6.52M · loan HK$15.20M · min. income ≈ HK$147,362/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$921,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,133
−HK$4,167/mo
▼ 0.25% · 3.875%
HK$79,201
−HK$2,099/mo
Today · 4.125%
HK$81,300
baseline
▲ 0.50% · 4.625%
HK$85,585
+HK$4,285/mo
Deposit HK$6.52M · loan HK$15.20M · min. income ≈ HK$162,600/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$921,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,143
−HK$5,590/mo
▼ 0.25% · 3.875%
HK$91,916
−HK$2,817/mo
Today · 4.125%
HK$94,733
baseline
▲ 0.50% · 4.625%
HK$100,497
+HK$5,764/mo
Deposit HK$2.17M · loan HK$19.55M · min. income ≈ HK$189,466/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$921,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,171
−HK$5,358/mo
▼ 0.25% · 3.875%
HK$101,830
−HK$2,699/mo
Today · 4.125%
HK$104,529
baseline
▲ 0.50% · 4.625%
HK$110,038
+HK$5,509/mo
Deposit HK$2.17M · loan HK$19.55M · min. income ≈ HK$209,058/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$921,856 · Scale 2, in force from 26 Feb 2026)