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$49,527
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$51,067
−HK$1,566/mo
Today · 4.125%
HK$52,633
baseline
▲ 0.50% · 4.625%
HK$55,835
+HK$3,202/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$105,266/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$921,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,098
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$56,576
−HK$1,499/mo
Today · 4.125%
HK$58,075
baseline
▲ 0.50% · 4.625%
HK$61,136
+HK$3,061/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$116,150/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$921,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,432
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$61,281
−HK$1,878/mo
Today · 4.125%
HK$63,159
baseline
▲ 0.50% · 4.625%
HK$67,002
+HK$3,843/mo
Deposit HK$8.69M · loan HK$13.03M · min. income ≈ HK$126,318/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$921,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,118
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$67,891
−HK$1,799/mo
Today · 4.125%
HK$69,690
baseline
▲ 0.50% · 4.625%
HK$73,363
+HK$3,673/mo
Deposit HK$8.69M · loan HK$13.03M · min. income ≈ HK$139,380/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$921,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,338
−HK$4,348/mo
▼ 0.25% · 3.875%
HK$71,494
−HK$2,192/mo
Today · 4.125%
HK$73,686
baseline
▲ 0.50% · 4.625%
HK$78,169
+HK$4,483/mo
Deposit HK$6.52M · loan HK$15.20M · min. income ≈ HK$147,372/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$921,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,137
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$79,206
−HK$2,099/mo
Today · 4.125%
HK$81,305
baseline
▲ 0.50% · 4.625%
HK$85,590
+HK$4,285/mo
Deposit HK$6.52M · loan HK$15.20M · min. income ≈ HK$162,610/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$921,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,148
−HK$5,591/mo
▼ 0.25% · 3.875%
HK$91,921
−HK$2,818/mo
Today · 4.125%
HK$94,739
baseline
▲ 0.50% · 4.625%
HK$100,503
+HK$5,764/mo
Deposit HK$2.17M · loan HK$19.55M · min. income ≈ HK$189,478/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$921,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,177
−HK$5,358/mo
▼ 0.25% · 3.875%
HK$101,836
−HK$2,699/mo
Today · 4.125%
HK$104,535
baseline
▲ 0.50% · 4.625%
HK$110,045
+HK$5,510/mo
Deposit HK$2.17M · loan HK$19.55M · min. income ≈ HK$209,070/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$921,984 · Scale 2, in force from 26 Feb 2026)