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$49,682
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$51,227
−HK$1,570/mo
Today · 4.125%
HK$52,797
baseline
▲ 0.50% · 4.625%
HK$56,010
+HK$3,213/mo
Deposit HK$10.89M · loan HK$10.89M · min. income ≈ HK$105,594/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$925,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,270
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$56,753
−HK$1,503/mo
Today · 4.125%
HK$58,256
baseline
▲ 0.50% · 4.625%
HK$61,327
+HK$3,071/mo
Deposit HK$10.89M · loan HK$10.89M · min. income ≈ HK$116,512/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$925,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,618
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$61,472
−HK$1,885/mo
Today · 4.125%
HK$63,357
baseline
▲ 0.50% · 4.625%
HK$67,212
+HK$3,855/mo
Deposit HK$8.72M · loan HK$13.07M · min. income ≈ HK$126,714/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$925,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,324
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$68,103
−HK$1,805/mo
Today · 4.125%
HK$69,908
baseline
▲ 0.50% · 4.625%
HK$73,593
+HK$3,685/mo
Deposit HK$8.72M · loan HK$13.07M · min. income ≈ HK$139,816/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$925,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,554
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$71,718
−HK$2,198/mo
Today · 4.125%
HK$73,916
baseline
▲ 0.50% · 4.625%
HK$78,414
+HK$4,498/mo
Deposit HK$6.54M · loan HK$15.25M · min. income ≈ HK$147,832/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$925,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,379
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$79,454
−HK$2,105/mo
Today · 4.125%
HK$81,559
baseline
▲ 0.50% · 4.625%
HK$85,858
+HK$4,299/mo
Deposit HK$6.54M · loan HK$15.25M · min. income ≈ HK$163,118/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$925,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,427
−HK$5,608/mo
▼ 0.25% · 3.875%
HK$92,209
−HK$2,826/mo
Today · 4.125%
HK$95,035
baseline
▲ 0.50% · 4.625%
HK$100,818
+HK$5,783/mo
Deposit HK$2.18M · loan HK$19.61M · min. income ≈ HK$190,070/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,487
−HK$5,375/mo
▼ 0.25% · 3.875%
HK$102,155
−HK$2,707/mo
Today · 4.125%
HK$104,862
baseline
▲ 0.50% · 4.625%
HK$110,389
+HK$5,527/mo
Deposit HK$2.18M · loan HK$19.61M · min. income ≈ HK$209,724/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,980 · Scale 2, in force from 26 Feb 2026)