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$49,680
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$51,225
−HK$1,570/mo
Today · 4.125%
HK$52,795
baseline
▲ 0.50% · 4.625%
HK$56,008
+HK$3,213/mo
Deposit HK$10.89M · loan HK$10.89M · min. income ≈ HK$105,590/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$925,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,268
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$56,751
−HK$1,503/mo
Today · 4.125%
HK$58,254
baseline
▲ 0.50% · 4.625%
HK$61,325
+HK$3,071/mo
Deposit HK$10.89M · loan HK$10.89M · min. income ≈ HK$116,508/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$925,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,616
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$61,470
−HK$1,884/mo
Today · 4.125%
HK$63,354
baseline
▲ 0.50% · 4.625%
HK$67,209
+HK$3,855/mo
Deposit HK$8.71M · loan HK$13.07M · min. income ≈ HK$126,708/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$925,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,322
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$68,101
−HK$1,804/mo
Today · 4.125%
HK$69,905
baseline
▲ 0.50% · 4.625%
HK$73,590
+HK$3,685/mo
Deposit HK$8.71M · loan HK$13.07M · min. income ≈ HK$139,810/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$925,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,552
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$71,715
−HK$2,198/mo
Today · 4.125%
HK$73,913
baseline
▲ 0.50% · 4.625%
HK$78,411
+HK$4,498/mo
Deposit HK$6.54M · loan HK$15.25M · min. income ≈ HK$147,826/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$925,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,376
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$79,451
−HK$2,105/mo
Today · 4.125%
HK$81,556
baseline
▲ 0.50% · 4.625%
HK$85,855
+HK$4,299/mo
Deposit HK$6.54M · loan HK$15.25M · min. income ≈ HK$163,112/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$925,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,424
−HK$5,607/mo
▼ 0.25% · 3.875%
HK$92,205
−HK$2,826/mo
Today · 4.125%
HK$95,031
baseline
▲ 0.50% · 4.625%
HK$100,814
+HK$5,783/mo
Deposit HK$2.18M · loan HK$19.61M · min. income ≈ HK$190,062/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,483
−HK$5,375/mo
▼ 0.25% · 3.875%
HK$102,151
−HK$2,707/mo
Today · 4.125%
HK$104,858
baseline
▲ 0.50% · 4.625%
HK$110,385
+HK$5,527/mo
Deposit HK$2.18M · loan HK$19.61M · min. income ≈ HK$209,716/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,946 · Scale 2, in force from 26 Feb 2026)