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$49,641
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$51,185
−HK$1,569/mo
Today · 4.125%
HK$52,754
baseline
▲ 0.50% · 4.625%
HK$55,964
+HK$3,210/mo
Deposit HK$10.88M · loan HK$10.88M · min. income ≈ HK$105,508/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$925,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,225
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$56,706
−HK$1,503/mo
Today · 4.125%
HK$58,209
baseline
▲ 0.50% · 4.625%
HK$61,277
+HK$3,068/mo
Deposit HK$10.88M · loan HK$10.88M · min. income ≈ HK$116,418/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$925,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,569
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$61,422
−HK$1,883/mo
Today · 4.125%
HK$63,305
baseline
▲ 0.50% · 4.625%
HK$67,156
+HK$3,851/mo
Deposit HK$8.71M · loan HK$13.06M · min. income ≈ HK$126,610/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$925,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,270
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$68,047
−HK$1,803/mo
Today · 4.125%
HK$69,850
baseline
▲ 0.50% · 4.625%
HK$73,532
+HK$3,682/mo
Deposit HK$8.71M · loan HK$13.06M · min. income ≈ HK$139,700/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$925,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,497
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$71,659
−HK$2,196/mo
Today · 4.125%
HK$73,855
baseline
▲ 0.50% · 4.625%
HK$78,349
+HK$4,494/mo
Deposit HK$6.53M · loan HK$15.24M · min. income ≈ HK$147,710/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$925,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,315
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$79,389
−HK$2,103/mo
Today · 4.125%
HK$81,492
baseline
▲ 0.50% · 4.625%
HK$85,788
+HK$4,296/mo
Deposit HK$6.53M · loan HK$15.24M · min. income ≈ HK$162,984/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$925,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,354
−HK$5,603/mo
▼ 0.25% · 3.875%
HK$92,133
−HK$2,824/mo
Today · 4.125%
HK$94,957
baseline
▲ 0.50% · 4.625%
HK$100,735
+HK$5,778/mo
Deposit HK$2.18M · loan HK$19.59M · min. income ≈ HK$189,914/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,405
−HK$5,371/mo
▼ 0.25% · 3.875%
HK$102,071
−HK$2,705/mo
Today · 4.125%
HK$104,776
baseline
▲ 0.50% · 4.625%
HK$110,298
+HK$5,522/mo
Deposit HK$2.18M · loan HK$19.59M · min. income ≈ HK$209,552/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,220 · Scale 2, in force from 26 Feb 2026)