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$49,564
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$51,106
−HK$1,566/mo
Today · 4.125%
HK$52,672
baseline
▲ 0.50% · 4.625%
HK$55,877
+HK$3,205/mo
Deposit HK$10.87M · loan HK$10.87M · min. income ≈ HK$105,344/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$923,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,139
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$56,618
−HK$1,500/mo
Today · 4.125%
HK$58,118
baseline
▲ 0.50% · 4.625%
HK$61,182
+HK$3,064/mo
Deposit HK$10.87M · loan HK$10.87M · min. income ≈ HK$116,236/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$923,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,477
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$61,327
−HK$1,879/mo
Today · 4.125%
HK$63,206
baseline
▲ 0.50% · 4.625%
HK$67,052
+HK$3,846/mo
Deposit HK$8.69M · loan HK$13.04M · min. income ≈ HK$126,412/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$923,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,167
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$67,942
−HK$1,800/mo
Today · 4.125%
HK$69,742
baseline
▲ 0.50% · 4.625%
HK$73,418
+HK$3,676/mo
Deposit HK$8.69M · loan HK$13.04M · min. income ≈ HK$139,484/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$923,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,389
−HK$4,352/mo
▼ 0.25% · 3.875%
HK$71,548
−HK$2,193/mo
Today · 4.125%
HK$73,741
baseline
▲ 0.50% · 4.625%
HK$78,228
+HK$4,487/mo
Deposit HK$6.52M · loan HK$15.22M · min. income ≈ HK$147,482/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$923,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,195
−HK$4,171/mo
▼ 0.25% · 3.875%
HK$79,265
−HK$2,101/mo
Today · 4.125%
HK$81,366
baseline
▲ 0.50% · 4.625%
HK$85,654
+HK$4,288/mo
Deposit HK$6.52M · loan HK$15.22M · min. income ≈ HK$162,732/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$923,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,215
−HK$5,594/mo
▼ 0.25% · 3.875%
HK$91,990
−HK$2,819/mo
Today · 4.125%
HK$94,809
baseline
▲ 0.50% · 4.625%
HK$100,578
+HK$5,769/mo
Deposit HK$2.17M · loan HK$19.56M · min. income ≈ HK$189,618/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$923,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,251
−HK$5,362/mo
▼ 0.25% · 3.875%
HK$101,912
−HK$2,701/mo
Today · 4.125%
HK$104,613
baseline
▲ 0.50% · 4.625%
HK$110,127
+HK$5,514/mo
Deposit HK$2.17M · loan HK$19.56M · min. income ≈ HK$209,226/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$923,607 · Scale 2, in force from 26 Feb 2026)