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$49,686
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$51,231
−HK$1,570/mo
Today · 4.125%
HK$52,801
baseline
▲ 0.50% · 4.625%
HK$56,014
+HK$3,213/mo
Deposit HK$10.89M · loan HK$10.89M · min. income ≈ HK$105,602/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$926,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,275
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$56,757
−HK$1,504/mo
Today · 4.125%
HK$58,261
baseline
▲ 0.50% · 4.625%
HK$61,332
+HK$3,071/mo
Deposit HK$10.89M · loan HK$10.89M · min. income ≈ HK$116,522/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$926,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,623
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$61,477
−HK$1,885/mo
Today · 4.125%
HK$63,362
baseline
▲ 0.50% · 4.625%
HK$67,217
+HK$3,855/mo
Deposit HK$8.72M · loan HK$13.07M · min. income ≈ HK$126,724/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$926,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,330
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$68,109
−HK$1,804/mo
Today · 4.125%
HK$69,913
baseline
▲ 0.50% · 4.625%
HK$73,598
+HK$3,685/mo
Deposit HK$8.72M · loan HK$13.07M · min. income ≈ HK$139,826/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$926,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,560
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$71,723
−HK$2,199/mo
Today · 4.125%
HK$73,922
baseline
▲ 0.50% · 4.625%
HK$78,420
+HK$4,498/mo
Deposit HK$6.54M · loan HK$15.25M · min. income ≈ HK$147,844/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$926,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,385
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$79,460
−HK$2,105/mo
Today · 4.125%
HK$81,565
baseline
▲ 0.50% · 4.625%
HK$85,865
+HK$4,300/mo
Deposit HK$6.54M · loan HK$15.25M · min. income ≈ HK$163,130/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$926,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,434
−HK$5,608/mo
▼ 0.25% · 3.875%
HK$92,216
−HK$2,826/mo
Today · 4.125%
HK$95,042
baseline
▲ 0.50% · 4.625%
HK$100,825
+HK$5,783/mo
Deposit HK$2.18M · loan HK$19.61M · min. income ≈ HK$190,084/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$926,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,494
−HK$5,376/mo
▼ 0.25% · 3.875%
HK$102,163
−HK$2,707/mo
Today · 4.125%
HK$104,870
baseline
▲ 0.50% · 4.625%
HK$110,398
+HK$5,528/mo
Deposit HK$2.18M · loan HK$19.61M · min. income ≈ HK$209,740/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$926,052 · Scale 2, in force from 26 Feb 2026)