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$49,593
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$51,135
−HK$1,568/mo
Today · 4.125%
HK$52,703
baseline
▲ 0.50% · 4.625%
HK$55,909
+HK$3,206/mo
Deposit HK$10.87M · loan HK$10.87M · min. income ≈ HK$105,406/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$924,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,171
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$56,651
−HK$1,501/mo
Today · 4.125%
HK$58,152
baseline
▲ 0.50% · 4.625%
HK$61,217
+HK$3,065/mo
Deposit HK$10.87M · loan HK$10.87M · min. income ≈ HK$116,304/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$924,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,511
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$61,362
−HK$1,881/mo
Today · 4.125%
HK$63,243
baseline
▲ 0.50% · 4.625%
HK$67,091
+HK$3,848/mo
Deposit HK$8.70M · loan HK$13.05M · min. income ≈ HK$126,486/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$924,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,206
−HK$3,576/mo
▼ 0.25% · 3.875%
HK$67,981
−HK$1,801/mo
Today · 4.125%
HK$69,782
baseline
▲ 0.50% · 4.625%
HK$73,461
+HK$3,679/mo
Deposit HK$8.70M · loan HK$13.05M · min. income ≈ HK$139,564/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$924,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,430
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$71,589
−HK$2,195/mo
Today · 4.125%
HK$73,784
baseline
▲ 0.50% · 4.625%
HK$78,273
+HK$4,489/mo
Deposit HK$6.52M · loan HK$15.22M · min. income ≈ HK$147,568/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$924,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,240
−HK$4,173/mo
▼ 0.25% · 3.875%
HK$79,311
−HK$2,102/mo
Today · 4.125%
HK$81,413
baseline
▲ 0.50% · 4.625%
HK$85,704
+HK$4,291/mo
Deposit HK$6.52M · loan HK$15.22M · min. income ≈ HK$162,826/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$924,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,267
−HK$5,598/mo
▼ 0.25% · 3.875%
HK$92,043
−HK$2,822/mo
Today · 4.125%
HK$94,865
baseline
▲ 0.50% · 4.625%
HK$100,637
+HK$5,772/mo
Deposit HK$2.17M · loan HK$19.57M · min. income ≈ HK$189,730/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$924,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,308
−HK$5,366/mo
▼ 0.25% · 3.875%
HK$101,972
−HK$2,702/mo
Today · 4.125%
HK$104,674
baseline
▲ 0.50% · 4.625%
HK$110,191
+HK$5,517/mo
Deposit HK$2.17M · loan HK$19.57M · min. income ≈ HK$209,348/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$924,320 · Scale 2, in force from 26 Feb 2026)