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$49,540
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$51,081
−HK$1,566/mo
Today · 4.125%
HK$52,647
baseline
▲ 0.50% · 4.625%
HK$55,850
+HK$3,203/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$105,294/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$922,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,113
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$56,591
−HK$1,499/mo
Today · 4.125%
HK$58,090
baseline
▲ 0.50% · 4.625%
HK$61,152
+HK$3,062/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$116,180/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$922,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,448
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$61,297
−HK$1,879/mo
Today · 4.125%
HK$63,176
baseline
▲ 0.50% · 4.625%
HK$67,020
+HK$3,844/mo
Deposit HK$8.69M · loan HK$13.04M · min. income ≈ HK$126,352/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$922,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,135
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$67,909
−HK$1,799/mo
Today · 4.125%
HK$69,708
baseline
▲ 0.50% · 4.625%
HK$73,383
+HK$3,675/mo
Deposit HK$8.69M · loan HK$13.04M · min. income ≈ HK$139,416/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$922,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,356
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$71,513
−HK$2,192/mo
Today · 4.125%
HK$73,705
baseline
▲ 0.50% · 4.625%
HK$78,190
+HK$4,485/mo
Deposit HK$6.52M · loan HK$15.21M · min. income ≈ HK$147,410/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$922,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,158
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$79,227
−HK$2,099/mo
Today · 4.125%
HK$81,326
baseline
▲ 0.50% · 4.625%
HK$85,613
+HK$4,287/mo
Deposit HK$6.52M · loan HK$15.21M · min. income ≈ HK$162,652/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$922,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,172
−HK$5,592/mo
▼ 0.25% · 3.875%
HK$91,946
−HK$2,818/mo
Today · 4.125%
HK$94,764
baseline
▲ 0.50% · 4.625%
HK$100,530
+HK$5,766/mo
Deposit HK$2.17M · loan HK$19.55M · min. income ≈ HK$189,528/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$922,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,203
−HK$5,359/mo
▼ 0.25% · 3.875%
HK$101,863
−HK$2,699/mo
Today · 4.125%
HK$104,562
baseline
▲ 0.50% · 4.625%
HK$110,074
+HK$5,512/mo
Deposit HK$2.17M · loan HK$19.55M · min. income ≈ HK$209,124/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$922,561 · Scale 2, in force from 26 Feb 2026)