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$49,681
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$51,227
−HK$1,570/mo
Today · 4.125%
HK$52,797
baseline
▲ 0.50% · 4.625%
HK$56,009
+HK$3,212/mo
Deposit HK$10.89M · loan HK$10.89M · min. income ≈ HK$105,594/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$925,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,270
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$56,752
−HK$1,504/mo
Today · 4.125%
HK$58,256
baseline
▲ 0.50% · 4.625%
HK$61,327
+HK$3,071/mo
Deposit HK$10.89M · loan HK$10.89M · min. income ≈ HK$116,512/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$925,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,617
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$61,472
−HK$1,884/mo
Today · 4.125%
HK$63,356
baseline
▲ 0.50% · 4.625%
HK$67,211
+HK$3,855/mo
Deposit HK$8.72M · loan HK$13.07M · min. income ≈ HK$126,712/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$925,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,324
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$68,103
−HK$1,804/mo
Today · 4.125%
HK$69,907
baseline
▲ 0.50% · 4.625%
HK$73,592
+HK$3,685/mo
Deposit HK$8.72M · loan HK$13.07M · min. income ≈ HK$139,814/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$925,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,554
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$71,717
−HK$2,198/mo
Today · 4.125%
HK$73,915
baseline
▲ 0.50% · 4.625%
HK$78,413
+HK$4,498/mo
Deposit HK$6.54M · loan HK$15.25M · min. income ≈ HK$147,830/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$925,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,378
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$79,453
−HK$2,105/mo
Today · 4.125%
HK$81,558
baseline
▲ 0.50% · 4.625%
HK$85,857
+HK$4,299/mo
Deposit HK$6.54M · loan HK$15.25M · min. income ≈ HK$163,116/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$925,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,426
−HK$5,608/mo
▼ 0.25% · 3.875%
HK$92,208
−HK$2,826/mo
Today · 4.125%
HK$95,034
baseline
▲ 0.50% · 4.625%
HK$100,817
+HK$5,783/mo
Deposit HK$2.18M · loan HK$19.61M · min. income ≈ HK$190,068/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,486
−HK$5,375/mo
▼ 0.25% · 3.875%
HK$102,154
−HK$2,707/mo
Today · 4.125%
HK$104,861
baseline
▲ 0.50% · 4.625%
HK$110,388
+HK$5,527/mo
Deposit HK$2.18M · loan HK$19.61M · min. income ≈ HK$209,722/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,971 · Scale 2, in force from 26 Feb 2026)