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$49,620
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$51,164
−HK$1,568/mo
Today · 4.125%
HK$52,732
baseline
▲ 0.50% · 4.625%
HK$55,940
+HK$3,208/mo
Deposit HK$10.88M · loan HK$10.88M · min. income ≈ HK$105,464/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$924,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,202
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$56,682
−HK$1,502/mo
Today · 4.125%
HK$58,184
baseline
▲ 0.50% · 4.625%
HK$61,251
+HK$3,067/mo
Deposit HK$10.88M · loan HK$10.88M · min. income ≈ HK$116,368/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$924,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,544
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$61,396
−HK$1,882/mo
Today · 4.125%
HK$63,278
baseline
▲ 0.50% · 4.625%
HK$67,128
+HK$3,850/mo
Deposit HK$8.70M · loan HK$13.06M · min. income ≈ HK$126,556/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$924,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,242
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$68,019
−HK$1,802/mo
Today · 4.125%
HK$69,821
baseline
▲ 0.50% · 4.625%
HK$73,501
+HK$3,680/mo
Deposit HK$8.70M · loan HK$13.06M · min. income ≈ HK$139,642/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$924,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,468
−HK$4,356/mo
▼ 0.25% · 3.875%
HK$71,629
−HK$2,195/mo
Today · 4.125%
HK$73,824
baseline
▲ 0.50% · 4.625%
HK$78,316
+HK$4,492/mo
Deposit HK$6.53M · loan HK$15.23M · min. income ≈ HK$147,648/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$924,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,283
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$79,355
−HK$2,103/mo
Today · 4.125%
HK$81,458
baseline
▲ 0.50% · 4.625%
HK$85,752
+HK$4,294/mo
Deposit HK$6.53M · loan HK$15.23M · min. income ≈ HK$162,916/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$924,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,316
−HK$5,601/mo
▼ 0.25% · 3.875%
HK$92,094
−HK$2,823/mo
Today · 4.125%
HK$94,917
baseline
▲ 0.50% · 4.625%
HK$100,692
+HK$5,775/mo
Deposit HK$2.18M · loan HK$19.58M · min. income ≈ HK$189,834/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$924,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,363
−HK$5,369/mo
▼ 0.25% · 3.875%
HK$102,028
−HK$2,704/mo
Today · 4.125%
HK$104,732
baseline
▲ 0.50% · 4.625%
HK$110,252
+HK$5,520/mo
Deposit HK$2.18M · loan HK$19.58M · min. income ≈ HK$209,464/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$924,832 · Scale 2, in force from 26 Feb 2026)