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$49,615
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$51,158
−HK$1,568/mo
Today · 4.125%
HK$52,726
baseline
▲ 0.50% · 4.625%
HK$55,935
+HK$3,209/mo
Deposit HK$10.88M · loan HK$10.88M · min. income ≈ HK$105,452/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$924,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,196
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$56,677
−HK$1,501/mo
Today · 4.125%
HK$58,178
baseline
▲ 0.50% · 4.625%
HK$61,245
+HK$3,067/mo
Deposit HK$10.88M · loan HK$10.88M · min. income ≈ HK$116,356/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$924,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,538
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$61,390
−HK$1,882/mo
Today · 4.125%
HK$63,272
baseline
▲ 0.50% · 4.625%
HK$67,122
+HK$3,850/mo
Deposit HK$8.70M · loan HK$13.06M · min. income ≈ HK$126,544/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$924,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,235
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$68,012
−HK$1,802/mo
Today · 4.125%
HK$69,814
baseline
▲ 0.50% · 4.625%
HK$73,494
+HK$3,680/mo
Deposit HK$8.70M · loan HK$13.06M · min. income ≈ HK$139,628/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$924,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,461
−HK$4,356/mo
▼ 0.25% · 3.875%
HK$71,622
−HK$2,195/mo
Today · 4.125%
HK$73,817
baseline
▲ 0.50% · 4.625%
HK$78,308
+HK$4,491/mo
Deposit HK$6.53M · loan HK$15.23M · min. income ≈ HK$147,634/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$924,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,275
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$79,347
−HK$2,103/mo
Today · 4.125%
HK$81,450
baseline
▲ 0.50% · 4.625%
HK$85,743
+HK$4,293/mo
Deposit HK$6.53M · loan HK$15.23M · min. income ≈ HK$162,900/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$924,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,307
−HK$5,600/mo
▼ 0.25% · 3.875%
HK$92,085
−HK$2,822/mo
Today · 4.125%
HK$94,907
baseline
▲ 0.50% · 4.625%
HK$100,682
+HK$5,775/mo
Deposit HK$2.18M · loan HK$19.58M · min. income ≈ HK$189,814/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$924,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,353
−HK$5,368/mo
▼ 0.25% · 3.875%
HK$102,018
−HK$2,703/mo
Today · 4.125%
HK$104,721
baseline
▲ 0.50% · 4.625%
HK$110,241
+HK$5,520/mo
Deposit HK$2.18M · loan HK$19.58M · min. income ≈ HK$209,442/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$924,738 · Scale 2, in force from 26 Feb 2026)