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$49,634
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$51,178
−HK$1,569/mo
Today · 4.125%
HK$52,747
baseline
▲ 0.50% · 4.625%
HK$55,956
+HK$3,209/mo
Deposit HK$10.88M · loan HK$10.88M · min. income ≈ HK$105,494/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$925,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,218
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$56,699
−HK$1,502/mo
Today · 4.125%
HK$58,201
baseline
▲ 0.50% · 4.625%
HK$61,269
+HK$3,068/mo
Deposit HK$10.88M · loan HK$10.88M · min. income ≈ HK$116,402/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$925,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,561
−HK$3,735/mo
▼ 0.25% · 3.875%
HK$61,414
−HK$1,882/mo
Today · 4.125%
HK$63,296
baseline
▲ 0.50% · 4.625%
HK$67,148
+HK$3,852/mo
Deposit HK$8.71M · loan HK$13.06M · min. income ≈ HK$126,592/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$925,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,261
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$68,038
−HK$1,803/mo
Today · 4.125%
HK$69,841
baseline
▲ 0.50% · 4.625%
HK$73,523
+HK$3,682/mo
Deposit HK$8.71M · loan HK$13.06M · min. income ≈ HK$139,682/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$925,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,488
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$71,650
−HK$2,196/mo
Today · 4.125%
HK$73,846
baseline
▲ 0.50% · 4.625%
HK$78,339
+HK$4,493/mo
Deposit HK$6.53M · loan HK$15.24M · min. income ≈ HK$147,692/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$925,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,305
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$79,378
−HK$2,103/mo
Today · 4.125%
HK$81,481
baseline
▲ 0.50% · 4.625%
HK$85,776
+HK$4,295/mo
Deposit HK$6.53M · loan HK$15.24M · min. income ≈ HK$162,962/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$925,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,342
−HK$5,602/mo
▼ 0.25% · 3.875%
HK$92,121
−HK$2,823/mo
Today · 4.125%
HK$94,944
baseline
▲ 0.50% · 4.625%
HK$100,721
+HK$5,777/mo
Deposit HK$2.18M · loan HK$19.59M · min. income ≈ HK$189,888/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,392
−HK$5,370/mo
▼ 0.25% · 3.875%
HK$102,058
−HK$2,704/mo
Today · 4.125%
HK$104,762
baseline
▲ 0.50% · 4.625%
HK$110,284
+HK$5,522/mo
Deposit HK$2.18M · loan HK$19.59M · min. income ≈ HK$209,524/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,098 · Scale 2, in force from 26 Feb 2026)