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$49,554
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$51,096
−HK$1,566/mo
Today · 4.125%
HK$52,662
baseline
▲ 0.50% · 4.625%
HK$55,866
+HK$3,204/mo
Deposit HK$10.87M · loan HK$10.87M · min. income ≈ HK$105,324/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$923,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,129
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$56,607
−HK$1,500/mo
Today · 4.125%
HK$58,107
baseline
▲ 0.50% · 4.625%
HK$61,170
+HK$3,063/mo
Deposit HK$10.87M · loan HK$10.87M · min. income ≈ HK$116,214/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$923,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,465
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$61,315
−HK$1,879/mo
Today · 4.125%
HK$63,194
baseline
▲ 0.50% · 4.625%
HK$67,040
+HK$3,846/mo
Deposit HK$8.69M · loan HK$13.04M · min. income ≈ HK$126,388/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$923,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,155
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$67,929
−HK$1,800/mo
Today · 4.125%
HK$69,729
baseline
▲ 0.50% · 4.625%
HK$73,404
+HK$3,675/mo
Deposit HK$8.69M · loan HK$13.04M · min. income ≈ HK$139,458/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$923,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,376
−HK$4,351/mo
▼ 0.25% · 3.875%
HK$71,534
−HK$2,193/mo
Today · 4.125%
HK$73,727
baseline
▲ 0.50% · 4.625%
HK$78,213
+HK$4,486/mo
Deposit HK$6.52M · loan HK$15.21M · min. income ≈ HK$147,454/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$923,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,180
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$79,250
−HK$2,100/mo
Today · 4.125%
HK$81,350
baseline
▲ 0.50% · 4.625%
HK$85,638
+HK$4,288/mo
Deposit HK$6.52M · loan HK$15.21M · min. income ≈ HK$162,700/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$923,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,198
−HK$5,594/mo
▼ 0.25% · 3.875%
HK$91,973
−HK$2,819/mo
Today · 4.125%
HK$94,792
baseline
▲ 0.50% · 4.625%
HK$100,559
+HK$5,767/mo
Deposit HK$2.17M · loan HK$19.56M · min. income ≈ HK$189,584/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$923,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,232
−HK$5,361/mo
▼ 0.25% · 3.875%
HK$101,893
−HK$2,700/mo
Today · 4.125%
HK$104,593
baseline
▲ 0.50% · 4.625%
HK$110,106
+HK$5,513/mo
Deposit HK$2.17M · loan HK$19.56M · min. income ≈ HK$209,186/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$923,199 · Scale 2, in force from 26 Feb 2026)