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$49,587
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$51,130
−HK$1,567/mo
Today · 4.125%
HK$52,697
baseline
▲ 0.50% · 4.625%
HK$55,903
+HK$3,206/mo
Deposit HK$10.87M · loan HK$10.87M · min. income ≈ HK$105,394/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$924,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,165
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$56,645
−HK$1,501/mo
Today · 4.125%
HK$58,146
baseline
▲ 0.50% · 4.625%
HK$61,210
+HK$3,064/mo
Deposit HK$10.87M · loan HK$10.87M · min. income ≈ HK$116,292/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$924,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,505
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$61,355
−HK$1,881/mo
Today · 4.125%
HK$63,236
baseline
▲ 0.50% · 4.625%
HK$67,084
+HK$3,848/mo
Deposit HK$8.70M · loan HK$13.05M · min. income ≈ HK$126,472/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$924,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,198
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$67,974
−HK$1,801/mo
Today · 4.125%
HK$69,775
baseline
▲ 0.50% · 4.625%
HK$73,453
+HK$3,678/mo
Deposit HK$8.70M · loan HK$13.05M · min. income ≈ HK$139,550/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$924,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,422
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$71,581
−HK$2,194/mo
Today · 4.125%
HK$73,775
baseline
▲ 0.50% · 4.625%
HK$78,264
+HK$4,489/mo
Deposit HK$6.52M · loan HK$15.22M · min. income ≈ HK$147,550/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$924,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,231
−HK$4,173/mo
▼ 0.25% · 3.875%
HK$79,302
−HK$2,102/mo
Today · 4.125%
HK$81,404
baseline
▲ 0.50% · 4.625%
HK$85,695
+HK$4,291/mo
Deposit HK$6.52M · loan HK$15.22M · min. income ≈ HK$162,808/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$924,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,257
−HK$5,597/mo
▼ 0.25% · 3.875%
HK$92,033
−HK$2,821/mo
Today · 4.125%
HK$94,854
baseline
▲ 0.50% · 4.625%
HK$100,626
+HK$5,772/mo
Deposit HK$2.17M · loan HK$19.57M · min. income ≈ HK$189,708/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$924,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,297
−HK$5,365/mo
▼ 0.25% · 3.875%
HK$101,960
−HK$2,702/mo
Today · 4.125%
HK$104,662
baseline
▲ 0.50% · 4.625%
HK$110,179
+HK$5,517/mo
Deposit HK$2.17M · loan HK$19.57M · min. income ≈ HK$209,324/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$924,217 · Scale 2, in force from 26 Feb 2026)