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$49,632
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$51,176
−HK$1,569/mo
Today · 4.125%
HK$52,745
baseline
▲ 0.50% · 4.625%
HK$55,954
+HK$3,209/mo
Deposit HK$10.88M · loan HK$10.88M · min. income ≈ HK$105,490/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$925,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,215
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$56,696
−HK$1,502/mo
Today · 4.125%
HK$58,198
baseline
▲ 0.50% · 4.625%
HK$61,266
+HK$3,068/mo
Deposit HK$10.88M · loan HK$10.88M · min. income ≈ HK$116,396/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$925,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,559
−HK$3,735/mo
▼ 0.25% · 3.875%
HK$61,411
−HK$1,883/mo
Today · 4.125%
HK$63,294
baseline
▲ 0.50% · 4.625%
HK$67,145
+HK$3,851/mo
Deposit HK$8.71M · loan HK$13.06M · min. income ≈ HK$126,588/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$925,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,258
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$68,035
−HK$1,803/mo
Today · 4.125%
HK$69,838
baseline
▲ 0.50% · 4.625%
HK$73,519
+HK$3,681/mo
Deposit HK$8.71M · loan HK$13.06M · min. income ≈ HK$139,676/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$925,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,485
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$71,647
−HK$2,195/mo
Today · 4.125%
HK$73,842
baseline
▲ 0.50% · 4.625%
HK$78,336
+HK$4,494/mo
Deposit HK$6.53M · loan HK$15.24M · min. income ≈ HK$147,684/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$925,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,302
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$79,375
−HK$2,103/mo
Today · 4.125%
HK$81,478
baseline
▲ 0.50% · 4.625%
HK$85,773
+HK$4,295/mo
Deposit HK$6.53M · loan HK$15.24M · min. income ≈ HK$162,956/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$925,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,338
−HK$5,602/mo
▼ 0.25% · 3.875%
HK$92,117
−HK$2,823/mo
Today · 4.125%
HK$94,940
baseline
▲ 0.50% · 4.625%
HK$100,717
+HK$5,777/mo
Deposit HK$2.18M · loan HK$19.59M · min. income ≈ HK$189,880/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,388
−HK$5,369/mo
▼ 0.25% · 3.875%
HK$102,053
−HK$2,704/mo
Today · 4.125%
HK$104,757
baseline
▲ 0.50% · 4.625%
HK$110,279
+HK$5,522/mo
Deposit HK$2.18M · loan HK$19.59M · min. income ≈ HK$209,514/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,059 · Scale 2, in force from 26 Feb 2026)