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$49,526
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$51,066
−HK$1,566/mo
Today · 4.125%
HK$52,632
baseline
▲ 0.50% · 4.625%
HK$55,834
+HK$3,202/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$105,264/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$921,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,097
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$56,575
−HK$1,499/mo
Today · 4.125%
HK$58,074
baseline
▲ 0.50% · 4.625%
HK$61,135
+HK$3,061/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$116,148/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$921,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,431
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$61,280
−HK$1,878/mo
Today · 4.125%
HK$63,158
baseline
▲ 0.50% · 4.625%
HK$67,001
+HK$3,843/mo
Deposit HK$8.69M · loan HK$13.03M · min. income ≈ HK$126,316/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$921,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,116
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$67,890
−HK$1,798/mo
Today · 4.125%
HK$69,688
baseline
▲ 0.50% · 4.625%
HK$73,362
+HK$3,674/mo
Deposit HK$8.69M · loan HK$13.03M · min. income ≈ HK$139,376/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$921,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,336
−HK$4,348/mo
▼ 0.25% · 3.875%
HK$71,493
−HK$2,191/mo
Today · 4.125%
HK$73,684
baseline
▲ 0.50% · 4.625%
HK$78,168
+HK$4,484/mo
Deposit HK$6.52M · loan HK$15.20M · min. income ≈ HK$147,368/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$921,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,136
−HK$4,167/mo
▼ 0.25% · 3.875%
HK$79,205
−HK$2,098/mo
Today · 4.125%
HK$81,303
baseline
▲ 0.50% · 4.625%
HK$85,589
+HK$4,286/mo
Deposit HK$6.52M · loan HK$15.20M · min. income ≈ HK$162,606/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$921,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,147
−HK$5,590/mo
▼ 0.25% · 3.875%
HK$91,919
−HK$2,818/mo
Today · 4.125%
HK$94,737
baseline
▲ 0.50% · 4.625%
HK$100,501
+HK$5,764/mo
Deposit HK$2.17M · loan HK$19.55M · min. income ≈ HK$189,474/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$921,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,175
−HK$5,358/mo
▼ 0.25% · 3.875%
HK$101,834
−HK$2,699/mo
Today · 4.125%
HK$104,533
baseline
▲ 0.50% · 4.625%
HK$110,043
+HK$5,510/mo
Deposit HK$2.17M · loan HK$19.55M · min. income ≈ HK$209,066/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$921,942 · Scale 2, in force from 26 Feb 2026)