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$49,828
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$51,378
−HK$1,574/mo
Today · 4.125%
HK$52,952
baseline
▲ 0.50% · 4.625%
HK$56,174
+HK$3,222/mo
Deposit HK$10.93M · loan HK$10.93M · min. income ≈ HK$105,904/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$928,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,433
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$56,920
−HK$1,508/mo
Today · 4.125%
HK$58,428
baseline
▲ 0.50% · 4.625%
HK$61,508
+HK$3,080/mo
Deposit HK$10.93M · loan HK$10.93M · min. income ≈ HK$116,856/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$928,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,793
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$61,653
−HK$1,890/mo
Today · 4.125%
HK$63,543
baseline
▲ 0.50% · 4.625%
HK$67,409
+HK$3,866/mo
Deposit HK$8.74M · loan HK$13.11M · min. income ≈ HK$127,086/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$928,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,519
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$68,304
−HK$1,809/mo
Today · 4.125%
HK$70,113
baseline
▲ 0.50% · 4.625%
HK$73,809
+HK$3,696/mo
Deposit HK$8.74M · loan HK$13.11M · min. income ≈ HK$140,226/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$928,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,759
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$71,929
−HK$2,204/mo
Today · 4.125%
HK$74,133
baseline
▲ 0.50% · 4.625%
HK$78,644
+HK$4,511/mo
Deposit HK$6.56M · loan HK$15.30M · min. income ≈ HK$148,266/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$928,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,606
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$79,687
−HK$2,112/mo
Today · 4.125%
HK$81,799
baseline
▲ 0.50% · 4.625%
HK$86,111
+HK$4,312/mo
Deposit HK$6.56M · loan HK$15.30M · min. income ≈ HK$163,598/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$928,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,690
−HK$5,624/mo
▼ 0.25% · 3.875%
HK$92,480
−HK$2,834/mo
Today · 4.125%
HK$95,314
baseline
▲ 0.50% · 4.625%
HK$101,114
+HK$5,800/mo
Deposit HK$2.19M · loan HK$19.67M · min. income ≈ HK$190,628/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,779
−HK$5,391/mo
▼ 0.25% · 3.875%
HK$102,455
−HK$2,715/mo
Today · 4.125%
HK$105,170
baseline
▲ 0.50% · 4.625%
HK$110,714
+HK$5,544/mo
Deposit HK$2.19M · loan HK$19.67M · min. income ≈ HK$210,340/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,703 · Scale 2, in force from 26 Feb 2026)