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$49,534
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$51,074
−HK$1,566/mo
Today · 4.125%
HK$52,640
baseline
▲ 0.50% · 4.625%
HK$55,843
+HK$3,203/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$105,280/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$922,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,106
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$56,584
−HK$1,499/mo
Today · 4.125%
HK$58,083
baseline
▲ 0.50% · 4.625%
HK$61,145
+HK$3,062/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$116,166/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$922,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,440
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$61,289
−HK$1,879/mo
Today · 4.125%
HK$63,168
baseline
▲ 0.50% · 4.625%
HK$67,011
+HK$3,843/mo
Deposit HK$8.69M · loan HK$13.03M · min. income ≈ HK$126,336/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$922,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,127
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$67,900
−HK$1,799/mo
Today · 4.125%
HK$69,699
baseline
▲ 0.50% · 4.625%
HK$73,373
+HK$3,674/mo
Deposit HK$8.69M · loan HK$13.03M · min. income ≈ HK$139,398/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$922,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,347
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$71,504
−HK$2,192/mo
Today · 4.125%
HK$73,696
baseline
▲ 0.50% · 4.625%
HK$78,180
+HK$4,484/mo
Deposit HK$6.52M · loan HK$15.21M · min. income ≈ HK$147,392/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$922,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,148
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$79,217
−HK$2,099/mo
Today · 4.125%
HK$81,316
baseline
▲ 0.50% · 4.625%
HK$85,602
+HK$4,286/mo
Deposit HK$6.52M · loan HK$15.21M · min. income ≈ HK$162,632/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$922,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,161
−HK$5,591/mo
▼ 0.25% · 3.875%
HK$91,934
−HK$2,818/mo
Today · 4.125%
HK$94,752
baseline
▲ 0.50% · 4.625%
HK$100,517
+HK$5,765/mo
Deposit HK$2.17M · loan HK$19.55M · min. income ≈ HK$189,504/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$922,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,190
−HK$5,359/mo
▼ 0.25% · 3.875%
HK$101,851
−HK$2,698/mo
Today · 4.125%
HK$104,549
baseline
▲ 0.50% · 4.625%
HK$110,060
+HK$5,511/mo
Deposit HK$2.17M · loan HK$19.55M · min. income ≈ HK$209,098/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$922,285 · Scale 2, in force from 26 Feb 2026)