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$49,658
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$51,203
−HK$1,569/mo
Today · 4.125%
HK$52,772
baseline
▲ 0.50% · 4.625%
HK$55,983
+HK$3,211/mo
Deposit HK$10.89M · loan HK$10.89M · min. income ≈ HK$105,544/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$925,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,244
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$56,726
−HK$1,503/mo
Today · 4.125%
HK$58,229
baseline
▲ 0.50% · 4.625%
HK$61,298
+HK$3,069/mo
Deposit HK$10.89M · loan HK$10.89M · min. income ≈ HK$116,458/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$925,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,590
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$61,443
−HK$1,884/mo
Today · 4.125%
HK$63,327
baseline
▲ 0.50% · 4.625%
HK$67,180
+HK$3,853/mo
Deposit HK$8.71M · loan HK$13.07M · min. income ≈ HK$126,654/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$925,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,293
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$68,071
−HK$1,804/mo
Today · 4.125%
HK$69,875
baseline
▲ 0.50% · 4.625%
HK$73,558
+HK$3,683/mo
Deposit HK$8.71M · loan HK$13.07M · min. income ≈ HK$139,750/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$925,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,521
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$71,684
−HK$2,197/mo
Today · 4.125%
HK$73,881
baseline
▲ 0.50% · 4.625%
HK$78,377
+HK$4,496/mo
Deposit HK$6.53M · loan HK$15.24M · min. income ≈ HK$147,762/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$925,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,342
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$79,416
−HK$2,104/mo
Today · 4.125%
HK$81,520
baseline
▲ 0.50% · 4.625%
HK$85,817
+HK$4,297/mo
Deposit HK$6.53M · loan HK$15.24M · min. income ≈ HK$163,040/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$925,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,385
−HK$5,605/mo
▼ 0.25% · 3.875%
HK$92,165
−HK$2,825/mo
Today · 4.125%
HK$94,990
baseline
▲ 0.50% · 4.625%
HK$100,770
+HK$5,780/mo
Deposit HK$2.18M · loan HK$19.60M · min. income ≈ HK$189,980/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,440
−HK$5,372/mo
▼ 0.25% · 3.875%
HK$102,106
−HK$2,706/mo
Today · 4.125%
HK$104,812
baseline
▲ 0.50% · 4.625%
HK$110,337
+HK$5,525/mo
Deposit HK$2.18M · loan HK$19.60M · min. income ≈ HK$209,624/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,542 · Scale 2, in force from 26 Feb 2026)