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$49,535
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$51,076
−HK$1,566/mo
Today · 4.125%
HK$52,642
baseline
▲ 0.50% · 4.625%
HK$55,845
+HK$3,203/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$105,284/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$922,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,108
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$56,586
−HK$1,499/mo
Today · 4.125%
HK$58,085
baseline
▲ 0.50% · 4.625%
HK$61,147
+HK$3,062/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$116,170/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$922,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,443
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$61,292
−HK$1,878/mo
Today · 4.125%
HK$63,170
baseline
▲ 0.50% · 4.625%
HK$67,014
+HK$3,844/mo
Deposit HK$8.69M · loan HK$13.03M · min. income ≈ HK$126,340/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$922,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,129
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$67,903
−HK$1,799/mo
Today · 4.125%
HK$69,702
baseline
▲ 0.50% · 4.625%
HK$73,376
+HK$3,674/mo
Deposit HK$8.69M · loan HK$13.03M · min. income ≈ HK$139,404/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$922,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,350
−HK$4,348/mo
▼ 0.25% · 3.875%
HK$71,507
−HK$2,191/mo
Today · 4.125%
HK$73,698
baseline
▲ 0.50% · 4.625%
HK$78,183
+HK$4,485/mo
Deposit HK$6.52M · loan HK$15.21M · min. income ≈ HK$147,396/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$922,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,151
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$79,220
−HK$2,099/mo
Today · 4.125%
HK$81,319
baseline
▲ 0.50% · 4.625%
HK$85,605
+HK$4,286/mo
Deposit HK$6.52M · loan HK$15.21M · min. income ≈ HK$162,638/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$922,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,164
−HK$5,591/mo
▼ 0.25% · 3.875%
HK$91,937
−HK$2,818/mo
Today · 4.125%
HK$94,755
baseline
▲ 0.50% · 4.625%
HK$100,521
+HK$5,766/mo
Deposit HK$2.17M · loan HK$19.55M · min. income ≈ HK$189,510/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$922,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,194
−HK$5,359/mo
▼ 0.25% · 3.875%
HK$101,854
−HK$2,699/mo
Today · 4.125%
HK$104,553
baseline
▲ 0.50% · 4.625%
HK$110,064
+HK$5,511/mo
Deposit HK$2.17M · loan HK$19.55M · min. income ≈ HK$209,106/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$922,362 · Scale 2, in force from 26 Feb 2026)