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$49,678
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$51,223
−HK$1,570/mo
Today · 4.125%
HK$52,793
baseline
▲ 0.50% · 4.625%
HK$56,005
+HK$3,212/mo
Deposit HK$10.89M · loan HK$10.89M · min. income ≈ HK$105,586/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$925,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,266
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$56,748
−HK$1,504/mo
Today · 4.125%
HK$58,252
baseline
▲ 0.50% · 4.625%
HK$61,322
+HK$3,070/mo
Deposit HK$10.89M · loan HK$10.89M · min. income ≈ HK$116,504/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$925,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,613
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$61,468
−HK$1,884/mo
Today · 4.125%
HK$63,352
baseline
▲ 0.50% · 4.625%
HK$67,206
+HK$3,854/mo
Deposit HK$8.71M · loan HK$13.07M · min. income ≈ HK$126,704/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$925,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,319
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$68,098
−HK$1,804/mo
Today · 4.125%
HK$69,902
baseline
▲ 0.50% · 4.625%
HK$73,587
+HK$3,685/mo
Deposit HK$8.71M · loan HK$13.07M · min. income ≈ HK$139,804/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$925,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,549
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$71,712
−HK$2,198/mo
Today · 4.125%
HK$73,910
baseline
▲ 0.50% · 4.625%
HK$78,407
+HK$4,497/mo
Deposit HK$6.54M · loan HK$15.25M · min. income ≈ HK$147,820/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$925,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,372
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$79,447
−HK$2,106/mo
Today · 4.125%
HK$81,553
baseline
▲ 0.50% · 4.625%
HK$85,851
+HK$4,298/mo
Deposit HK$6.54M · loan HK$15.25M · min. income ≈ HK$163,106/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$925,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,420
−HK$5,607/mo
▼ 0.25% · 3.875%
HK$92,201
−HK$2,826/mo
Today · 4.125%
HK$95,027
baseline
▲ 0.50% · 4.625%
HK$100,809
+HK$5,782/mo
Deposit HK$2.18M · loan HK$19.61M · min. income ≈ HK$190,054/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,479
−HK$5,374/mo
▼ 0.25% · 3.875%
HK$102,147
−HK$2,706/mo
Today · 4.125%
HK$104,853
baseline
▲ 0.50% · 4.625%
HK$110,380
+HK$5,527/mo
Deposit HK$2.18M · loan HK$19.61M · min. income ≈ HK$209,706/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,906 · Scale 2, in force from 26 Feb 2026)