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$49,611
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$51,154
−HK$1,568/mo
Today · 4.125%
HK$52,722
baseline
▲ 0.50% · 4.625%
HK$55,930
+HK$3,208/mo
Deposit HK$10.88M · loan HK$10.88M · min. income ≈ HK$105,444/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$924,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,192
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$56,672
−HK$1,502/mo
Today · 4.125%
HK$58,174
baseline
▲ 0.50% · 4.625%
HK$61,240
+HK$3,066/mo
Deposit HK$10.88M · loan HK$10.88M · min. income ≈ HK$116,348/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$924,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,533
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$61,385
−HK$1,882/mo
Today · 4.125%
HK$63,267
baseline
▲ 0.50% · 4.625%
HK$67,116
+HK$3,849/mo
Deposit HK$8.70M · loan HK$13.05M · min. income ≈ HK$126,534/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$924,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,230
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$68,007
−HK$1,802/mo
Today · 4.125%
HK$69,809
baseline
▲ 0.50% · 4.625%
HK$73,488
+HK$3,679/mo
Deposit HK$8.70M · loan HK$13.05M · min. income ≈ HK$139,618/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$924,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,456
−HK$4,355/mo
▼ 0.25% · 3.875%
HK$71,616
−HK$2,195/mo
Today · 4.125%
HK$73,811
baseline
▲ 0.50% · 4.625%
HK$78,302
+HK$4,491/mo
Deposit HK$6.53M · loan HK$15.23M · min. income ≈ HK$147,622/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$924,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,269
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$79,341
−HK$2,102/mo
Today · 4.125%
HK$81,443
baseline
▲ 0.50% · 4.625%
HK$85,736
+HK$4,293/mo
Deposit HK$6.53M · loan HK$15.23M · min. income ≈ HK$162,886/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$924,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,300
−HK$5,600/mo
▼ 0.25% · 3.875%
HK$92,078
−HK$2,822/mo
Today · 4.125%
HK$94,900
baseline
▲ 0.50% · 4.625%
HK$100,675
+HK$5,775/mo
Deposit HK$2.18M · loan HK$19.58M · min. income ≈ HK$189,800/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$924,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,346
−HK$5,367/mo
▼ 0.25% · 3.875%
HK$102,010
−HK$2,703/mo
Today · 4.125%
HK$104,713
baseline
▲ 0.50% · 4.625%
HK$110,232
+HK$5,519/mo
Deposit HK$2.18M · loan HK$19.58M · min. income ≈ HK$209,426/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$924,667 · Scale 2, in force from 26 Feb 2026)