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$49,570
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$51,112
−HK$1,566/mo
Today · 4.125%
HK$52,678
baseline
▲ 0.50% · 4.625%
HK$55,883
+HK$3,205/mo
Deposit HK$10.87M · loan HK$10.87M · min. income ≈ HK$105,356/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$923,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,146
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$56,625
−HK$1,500/mo
Today · 4.125%
HK$58,125
baseline
▲ 0.50% · 4.625%
HK$61,189
+HK$3,064/mo
Deposit HK$10.87M · loan HK$10.87M · min. income ≈ HK$116,250/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$923,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,484
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$61,334
−HK$1,880/mo
Today · 4.125%
HK$63,214
baseline
▲ 0.50% · 4.625%
HK$67,060
+HK$3,846/mo
Deposit HK$8.70M · loan HK$13.04M · min. income ≈ HK$126,428/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$923,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,175
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$67,950
−HK$1,800/mo
Today · 4.125%
HK$69,750
baseline
▲ 0.50% · 4.625%
HK$73,427
+HK$3,677/mo
Deposit HK$8.70M · loan HK$13.04M · min. income ≈ HK$139,500/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$923,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,397
−HK$4,352/mo
▼ 0.25% · 3.875%
HK$71,556
−HK$2,193/mo
Today · 4.125%
HK$73,749
baseline
▲ 0.50% · 4.625%
HK$78,237
+HK$4,488/mo
Deposit HK$6.52M · loan HK$15.22M · min. income ≈ HK$147,498/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$923,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,204
−HK$4,171/mo
▼ 0.25% · 3.875%
HK$79,275
−HK$2,100/mo
Today · 4.125%
HK$81,375
baseline
▲ 0.50% · 4.625%
HK$85,664
+HK$4,289/mo
Deposit HK$6.52M · loan HK$15.22M · min. income ≈ HK$162,750/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$923,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,225
−HK$5,596/mo
▼ 0.25% · 3.875%
HK$92,001
−HK$2,820/mo
Today · 4.125%
HK$94,821
baseline
▲ 0.50% · 4.625%
HK$100,590
+HK$5,769/mo
Deposit HK$2.17M · loan HK$19.56M · min. income ≈ HK$189,642/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$923,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,262
−HK$5,363/mo
▼ 0.25% · 3.875%
HK$101,924
−HK$2,701/mo
Today · 4.125%
HK$104,625
baseline
▲ 0.50% · 4.625%
HK$110,140
+HK$5,515/mo
Deposit HK$2.17M · loan HK$19.56M · min. income ≈ HK$209,250/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$923,863 · Scale 2, in force from 26 Feb 2026)