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$49,551
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$51,092
−HK$1,566/mo
Today · 4.125%
HK$52,658
baseline
▲ 0.50% · 4.625%
HK$55,863
+HK$3,205/mo
Deposit HK$10.87M · loan HK$10.87M · min. income ≈ HK$105,316/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$923,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,125
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$56,604
−HK$1,499/mo
Today · 4.125%
HK$58,103
baseline
▲ 0.50% · 4.625%
HK$61,166
+HK$3,063/mo
Deposit HK$10.87M · loan HK$10.87M · min. income ≈ HK$116,206/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$923,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,461
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$61,311
−HK$1,879/mo
Today · 4.125%
HK$63,190
baseline
▲ 0.50% · 4.625%
HK$67,035
+HK$3,845/mo
Deposit HK$8.69M · loan HK$13.04M · min. income ≈ HK$126,380/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$923,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,150
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$67,924
−HK$1,800/mo
Today · 4.125%
HK$69,724
baseline
▲ 0.50% · 4.625%
HK$73,399
+HK$3,675/mo
Deposit HK$8.69M · loan HK$13.04M · min. income ≈ HK$139,448/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$923,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,372
−HK$4,350/mo
▼ 0.25% · 3.875%
HK$71,529
−HK$2,193/mo
Today · 4.125%
HK$73,722
baseline
▲ 0.50% · 4.625%
HK$78,208
+HK$4,486/mo
Deposit HK$6.52M · loan HK$15.21M · min. income ≈ HK$147,444/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$923,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,175
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$79,245
−HK$2,100/mo
Today · 4.125%
HK$81,345
baseline
▲ 0.50% · 4.625%
HK$85,633
+HK$4,288/mo
Deposit HK$6.52M · loan HK$15.21M · min. income ≈ HK$162,690/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$923,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,192
−HK$5,593/mo
▼ 0.25% · 3.875%
HK$91,966
−HK$2,819/mo
Today · 4.125%
HK$94,785
baseline
▲ 0.50% · 4.625%
HK$100,553
+HK$5,768/mo
Deposit HK$2.17M · loan HK$19.56M · min. income ≈ HK$189,570/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$923,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,225
−HK$5,361/mo
▼ 0.25% · 3.875%
HK$101,886
−HK$2,700/mo
Today · 4.125%
HK$104,586
baseline
▲ 0.50% · 4.625%
HK$110,099
+HK$5,513/mo
Deposit HK$2.17M · loan HK$19.56M · min. income ≈ HK$209,172/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$923,053 · Scale 2, in force from 26 Feb 2026)