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$49,656
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$51,200
−HK$1,569/mo
Today · 4.125%
HK$52,769
baseline
▲ 0.50% · 4.625%
HK$55,980
+HK$3,211/mo
Deposit HK$10.89M · loan HK$10.89M · min. income ≈ HK$105,538/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$925,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,241
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$56,723
−HK$1,503/mo
Today · 4.125%
HK$58,226
baseline
▲ 0.50% · 4.625%
HK$61,295
+HK$3,069/mo
Deposit HK$10.89M · loan HK$10.89M · min. income ≈ HK$116,452/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$925,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,587
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$61,440
−HK$1,883/mo
Today · 4.125%
HK$63,323
baseline
▲ 0.50% · 4.625%
HK$67,176
+HK$3,853/mo
Deposit HK$8.71M · loan HK$13.07M · min. income ≈ HK$126,646/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$925,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,290
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$68,067
−HK$1,804/mo
Today · 4.125%
HK$69,871
baseline
▲ 0.50% · 4.625%
HK$73,554
+HK$3,683/mo
Deposit HK$8.71M · loan HK$13.07M · min. income ≈ HK$139,742/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$925,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,518
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$71,680
−HK$2,197/mo
Today · 4.125%
HK$73,877
baseline
▲ 0.50% · 4.625%
HK$78,372
+HK$4,495/mo
Deposit HK$6.53M · loan HK$15.24M · min. income ≈ HK$147,754/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$925,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,338
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$79,412
−HK$2,104/mo
Today · 4.125%
HK$81,516
baseline
▲ 0.50% · 4.625%
HK$85,813
+HK$4,297/mo
Deposit HK$6.53M · loan HK$15.24M · min. income ≈ HK$163,032/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$925,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,380
−HK$5,605/mo
▼ 0.25% · 3.875%
HK$92,160
−HK$2,825/mo
Today · 4.125%
HK$94,985
baseline
▲ 0.50% · 4.625%
HK$100,765
+HK$5,780/mo
Deposit HK$2.18M · loan HK$19.60M · min. income ≈ HK$189,970/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,434
−HK$5,373/mo
▼ 0.25% · 3.875%
HK$102,101
−HK$2,706/mo
Today · 4.125%
HK$104,807
baseline
▲ 0.50% · 4.625%
HK$110,331
+HK$5,524/mo
Deposit HK$2.18M · loan HK$19.60M · min. income ≈ HK$209,614/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,494 · Scale 2, in force from 26 Feb 2026)