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$49,516
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$51,056
−HK$1,565/mo
Today · 4.125%
HK$52,621
baseline
▲ 0.50% · 4.625%
HK$55,823
+HK$3,202/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$105,242/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$921,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,086
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$56,564
−HK$1,498/mo
Today · 4.125%
HK$58,062
baseline
▲ 0.50% · 4.625%
HK$61,123
+HK$3,061/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$116,124/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$921,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,419
−HK$3,726/mo
▼ 0.25% · 3.875%
HK$61,268
−HK$1,877/mo
Today · 4.125%
HK$63,145
baseline
▲ 0.50% · 4.625%
HK$66,988
+HK$3,843/mo
Deposit HK$8.69M · loan HK$13.03M · min. income ≈ HK$126,290/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$921,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,103
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$67,876
−HK$1,799/mo
Today · 4.125%
HK$69,675
baseline
▲ 0.50% · 4.625%
HK$73,347
+HK$3,672/mo
Deposit HK$8.69M · loan HK$13.03M · min. income ≈ HK$139,350/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$921,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,323
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$71,479
−HK$2,191/mo
Today · 4.125%
HK$73,670
baseline
▲ 0.50% · 4.625%
HK$78,152
+HK$4,482/mo
Deposit HK$6.51M · loan HK$15.20M · min. income ≈ HK$147,340/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$921,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,121
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$79,189
−HK$2,098/mo
Today · 4.125%
HK$81,287
baseline
▲ 0.50% · 4.625%
HK$85,572
+HK$4,285/mo
Deposit HK$6.51M · loan HK$15.20M · min. income ≈ HK$162,574/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$921,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,129
−HK$5,589/mo
▼ 0.25% · 3.875%
HK$91,901
−HK$2,817/mo
Today · 4.125%
HK$94,718
baseline
▲ 0.50% · 4.625%
HK$100,482
+HK$5,764/mo
Deposit HK$2.17M · loan HK$19.54M · min. income ≈ HK$189,436/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$921,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,155
−HK$5,357/mo
▼ 0.25% · 3.875%
HK$101,814
−HK$2,698/mo
Today · 4.125%
HK$104,512
baseline
▲ 0.50% · 4.625%
HK$110,021
+HK$5,509/mo
Deposit HK$2.17M · loan HK$19.54M · min. income ≈ HK$209,024/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$921,517 · Scale 2, in force from 26 Feb 2026)