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$49,556
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$51,098
−HK$1,566/mo
Today · 4.125%
HK$52,664
baseline
▲ 0.50% · 4.625%
HK$55,868
+HK$3,204/mo
Deposit HK$10.87M · loan HK$10.87M · min. income ≈ HK$105,328/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$923,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,131
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$56,609
−HK$1,500/mo
Today · 4.125%
HK$58,109
baseline
▲ 0.50% · 4.625%
HK$61,172
+HK$3,063/mo
Deposit HK$10.87M · loan HK$10.87M · min. income ≈ HK$116,218/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$923,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,468
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$61,317
−HK$1,880/mo
Today · 4.125%
HK$63,197
baseline
▲ 0.50% · 4.625%
HK$67,042
+HK$3,845/mo
Deposit HK$8.69M · loan HK$13.04M · min. income ≈ HK$126,394/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$923,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,157
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$67,931
−HK$1,800/mo
Today · 4.125%
HK$69,731
baseline
▲ 0.50% · 4.625%
HK$73,407
+HK$3,676/mo
Deposit HK$8.69M · loan HK$13.04M · min. income ≈ HK$139,462/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$923,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,379
−HK$4,350/mo
▼ 0.25% · 3.875%
HK$71,537
−HK$2,192/mo
Today · 4.125%
HK$73,729
baseline
▲ 0.50% · 4.625%
HK$78,216
+HK$4,487/mo
Deposit HK$6.52M · loan HK$15.21M · min. income ≈ HK$147,458/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$923,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,183
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$79,253
−HK$2,100/mo
Today · 4.125%
HK$81,353
baseline
▲ 0.50% · 4.625%
HK$85,641
+HK$4,288/mo
Deposit HK$6.52M · loan HK$15.21M · min. income ≈ HK$162,706/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$923,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,201
−HK$5,594/mo
▼ 0.25% · 3.875%
HK$91,976
−HK$2,819/mo
Today · 4.125%
HK$94,795
baseline
▲ 0.50% · 4.625%
HK$100,563
+HK$5,768/mo
Deposit HK$2.17M · loan HK$19.56M · min. income ≈ HK$189,590/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$923,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,236
−HK$5,361/mo
▼ 0.25% · 3.875%
HK$101,897
−HK$2,700/mo
Today · 4.125%
HK$104,597
baseline
▲ 0.50% · 4.625%
HK$110,110
+HK$5,513/mo
Deposit HK$2.17M · loan HK$19.56M · min. income ≈ HK$209,194/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$923,276 · Scale 2, in force from 26 Feb 2026)