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$49,636
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$51,180
−HK$1,569/mo
Today · 4.125%
HK$52,749
baseline
▲ 0.50% · 4.625%
HK$55,958
+HK$3,209/mo
Deposit HK$10.88M · loan HK$10.88M · min. income ≈ HK$105,498/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$925,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,220
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$56,701
−HK$1,502/mo
Today · 4.125%
HK$58,203
baseline
▲ 0.50% · 4.625%
HK$61,271
+HK$3,068/mo
Deposit HK$10.88M · loan HK$10.88M · min. income ≈ HK$116,406/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$925,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,563
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$61,416
−HK$1,883/mo
Today · 4.125%
HK$63,299
baseline
▲ 0.50% · 4.625%
HK$67,150
+HK$3,851/mo
Deposit HK$8.71M · loan HK$13.06M · min. income ≈ HK$126,598/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$925,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,264
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$68,041
−HK$1,803/mo
Today · 4.125%
HK$69,844
baseline
▲ 0.50% · 4.625%
HK$73,525
+HK$3,681/mo
Deposit HK$8.71M · loan HK$13.06M · min. income ≈ HK$139,688/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$925,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,491
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$71,652
−HK$2,196/mo
Today · 4.125%
HK$73,848
baseline
▲ 0.50% · 4.625%
HK$78,342
+HK$4,494/mo
Deposit HK$6.53M · loan HK$15.24M · min. income ≈ HK$147,696/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$925,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,308
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$79,381
−HK$2,103/mo
Today · 4.125%
HK$81,484
baseline
▲ 0.50% · 4.625%
HK$85,779
+HK$4,295/mo
Deposit HK$6.53M · loan HK$15.24M · min. income ≈ HK$162,968/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$925,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,345
−HK$5,603/mo
▼ 0.25% · 3.875%
HK$92,124
−HK$2,824/mo
Today · 4.125%
HK$94,948
baseline
▲ 0.50% · 4.625%
HK$100,725
+HK$5,777/mo
Deposit HK$2.18M · loan HK$19.59M · min. income ≈ HK$189,896/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,396
−HK$5,370/mo
▼ 0.25% · 3.875%
HK$102,061
−HK$2,705/mo
Today · 4.125%
HK$104,766
baseline
▲ 0.50% · 4.625%
HK$110,288
+HK$5,522/mo
Deposit HK$2.18M · loan HK$19.59M · min. income ≈ HK$209,532/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,132 · Scale 2, in force from 26 Feb 2026)