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$49,553
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$51,094
−HK$1,566/mo
Today · 4.125%
HK$52,660
baseline
▲ 0.50% · 4.625%
HK$55,864
+HK$3,204/mo
Deposit HK$10.87M · loan HK$10.87M · min. income ≈ HK$105,320/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$923,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,127
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$56,606
−HK$1,499/mo
Today · 4.125%
HK$58,105
baseline
▲ 0.50% · 4.625%
HK$61,168
+HK$3,063/mo
Deposit HK$10.87M · loan HK$10.87M · min. income ≈ HK$116,210/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$923,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,463
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$61,313
−HK$1,879/mo
Today · 4.125%
HK$63,192
baseline
▲ 0.50% · 4.625%
HK$67,037
+HK$3,845/mo
Deposit HK$8.69M · loan HK$13.04M · min. income ≈ HK$126,384/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$923,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,152
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$67,927
−HK$1,799/mo
Today · 4.125%
HK$69,726
baseline
▲ 0.50% · 4.625%
HK$73,402
+HK$3,676/mo
Deposit HK$8.69M · loan HK$13.04M · min. income ≈ HK$139,452/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$923,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,374
−HK$4,350/mo
▼ 0.25% · 3.875%
HK$71,532
−HK$2,192/mo
Today · 4.125%
HK$73,724
baseline
▲ 0.50% · 4.625%
HK$78,210
+HK$4,486/mo
Deposit HK$6.52M · loan HK$15.21M · min. income ≈ HK$147,448/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$923,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,178
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$79,248
−HK$2,100/mo
Today · 4.125%
HK$81,348
baseline
▲ 0.50% · 4.625%
HK$85,635
+HK$4,287/mo
Deposit HK$6.52M · loan HK$15.21M · min. income ≈ HK$162,696/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$923,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,195
−HK$5,593/mo
▼ 0.25% · 3.875%
HK$91,970
−HK$2,818/mo
Today · 4.125%
HK$94,788
baseline
▲ 0.50% · 4.625%
HK$100,556
+HK$5,768/mo
Deposit HK$2.17M · loan HK$19.56M · min. income ≈ HK$189,576/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$923,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,229
−HK$5,361/mo
▼ 0.25% · 3.875%
HK$101,890
−HK$2,700/mo
Today · 4.125%
HK$104,590
baseline
▲ 0.50% · 4.625%
HK$110,103
+HK$5,513/mo
Deposit HK$2.17M · loan HK$19.56M · min. income ≈ HK$209,180/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$923,126 · Scale 2, in force from 26 Feb 2026)