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$49,607
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$51,150
−HK$1,568/mo
Today · 4.125%
HK$52,718
baseline
▲ 0.50% · 4.625%
HK$55,926
+HK$3,208/mo
Deposit HK$10.88M · loan HK$10.88M · min. income ≈ HK$105,436/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$924,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,187
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$56,668
−HK$1,501/mo
Today · 4.125%
HK$58,169
baseline
▲ 0.50% · 4.625%
HK$61,235
+HK$3,066/mo
Deposit HK$10.88M · loan HK$10.88M · min. income ≈ HK$116,338/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$924,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,529
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$61,380
−HK$1,882/mo
Today · 4.125%
HK$63,262
baseline
▲ 0.50% · 4.625%
HK$67,111
+HK$3,849/mo
Deposit HK$8.70M · loan HK$13.05M · min. income ≈ HK$126,524/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$924,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,225
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$68,001
−HK$1,802/mo
Today · 4.125%
HK$69,803
baseline
▲ 0.50% · 4.625%
HK$73,482
+HK$3,679/mo
Deposit HK$8.70M · loan HK$13.05M · min. income ≈ HK$139,606/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$924,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,450
−HK$4,355/mo
▼ 0.25% · 3.875%
HK$71,610
−HK$2,195/mo
Today · 4.125%
HK$73,805
baseline
▲ 0.50% · 4.625%
HK$78,296
+HK$4,491/mo
Deposit HK$6.53M · loan HK$15.23M · min. income ≈ HK$147,610/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$924,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,262
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$79,335
−HK$2,102/mo
Today · 4.125%
HK$81,437
baseline
▲ 0.50% · 4.625%
HK$85,729
+HK$4,292/mo
Deposit HK$6.53M · loan HK$15.23M · min. income ≈ HK$162,874/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$924,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,293
−HK$5,599/mo
▼ 0.25% · 3.875%
HK$92,070
−HK$2,822/mo
Today · 4.125%
HK$94,892
baseline
▲ 0.50% · 4.625%
HK$100,666
+HK$5,774/mo
Deposit HK$2.18M · loan HK$19.58M · min. income ≈ HK$189,784/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$924,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,337
−HK$5,367/mo
▼ 0.25% · 3.875%
HK$102,002
−HK$2,702/mo
Today · 4.125%
HK$104,704
baseline
▲ 0.50% · 4.625%
HK$110,223
+HK$5,519/mo
Deposit HK$2.18M · loan HK$19.58M · min. income ≈ HK$209,408/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$924,591 · Scale 2, in force from 26 Feb 2026)