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$49,522
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$51,062
−HK$1,565/mo
Today · 4.125%
HK$52,627
baseline
▲ 0.50% · 4.625%
HK$55,830
+HK$3,203/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$105,254/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$921,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,093
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$56,570
−HK$1,499/mo
Today · 4.125%
HK$58,069
baseline
▲ 0.50% · 4.625%
HK$61,130
+HK$3,061/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$116,138/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$921,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,426
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$61,275
−HK$1,878/mo
Today · 4.125%
HK$63,153
baseline
▲ 0.50% · 4.625%
HK$66,996
+HK$3,843/mo
Deposit HK$8.69M · loan HK$13.03M · min. income ≈ HK$126,306/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$921,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,111
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$67,884
−HK$1,799/mo
Today · 4.125%
HK$69,683
baseline
▲ 0.50% · 4.625%
HK$73,356
+HK$3,673/mo
Deposit HK$8.69M · loan HK$13.03M · min. income ≈ HK$139,366/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$921,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,331
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$71,487
−HK$2,191/mo
Today · 4.125%
HK$73,678
baseline
▲ 0.50% · 4.625%
HK$78,161
+HK$4,483/mo
Deposit HK$6.52M · loan HK$15.20M · min. income ≈ HK$147,356/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$921,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,130
−HK$4,167/mo
▼ 0.25% · 3.875%
HK$79,198
−HK$2,099/mo
Today · 4.125%
HK$81,297
baseline
▲ 0.50% · 4.625%
HK$85,582
+HK$4,285/mo
Deposit HK$6.52M · loan HK$15.20M · min. income ≈ HK$162,594/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$921,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,139
−HK$5,590/mo
▼ 0.25% · 3.875%
HK$91,912
−HK$2,817/mo
Today · 4.125%
HK$94,729
baseline
▲ 0.50% · 4.625%
HK$100,493
+HK$5,764/mo
Deposit HK$2.17M · loan HK$19.55M · min. income ≈ HK$189,458/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$921,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,167
−HK$5,357/mo
▼ 0.25% · 3.875%
HK$101,826
−HK$2,698/mo
Today · 4.125%
HK$104,524
baseline
▲ 0.50% · 4.625%
HK$110,034
+HK$5,510/mo
Deposit HK$2.17M · loan HK$19.55M · min. income ≈ HK$209,048/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$921,769 · Scale 2, in force from 26 Feb 2026)