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$49,649
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$51,193
−HK$1,569/mo
Today · 4.125%
HK$52,762
baseline
▲ 0.50% · 4.625%
HK$55,973
+HK$3,211/mo
Deposit HK$10.89M · loan HK$10.89M · min. income ≈ HK$105,524/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$925,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,234
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$56,715
−HK$1,503/mo
Today · 4.125%
HK$58,218
baseline
▲ 0.50% · 4.625%
HK$61,287
+HK$3,069/mo
Deposit HK$10.89M · loan HK$10.89M · min. income ≈ HK$116,436/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$925,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,579
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$61,432
−HK$1,883/mo
Today · 4.125%
HK$63,315
baseline
▲ 0.50% · 4.625%
HK$67,167
+HK$3,852/mo
Deposit HK$8.71M · loan HK$13.06M · min. income ≈ HK$126,630/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$925,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,281
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$68,058
−HK$1,804/mo
Today · 4.125%
HK$69,862
baseline
▲ 0.50% · 4.625%
HK$73,544
+HK$3,682/mo
Deposit HK$8.71M · loan HK$13.06M · min. income ≈ HK$139,724/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$925,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,509
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$71,671
−HK$2,196/mo
Today · 4.125%
HK$73,867
baseline
▲ 0.50% · 4.625%
HK$78,362
+HK$4,495/mo
Deposit HK$6.53M · loan HK$15.24M · min. income ≈ HK$147,734/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$925,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,328
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$79,401
−HK$2,104/mo
Today · 4.125%
HK$81,505
baseline
▲ 0.50% · 4.625%
HK$85,802
+HK$4,297/mo
Deposit HK$6.53M · loan HK$15.24M · min. income ≈ HK$163,010/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$925,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,368
−HK$5,604/mo
▼ 0.25% · 3.875%
HK$92,148
−HK$2,824/mo
Today · 4.125%
HK$94,972
baseline
▲ 0.50% · 4.625%
HK$100,751
+HK$5,779/mo
Deposit HK$2.18M · loan HK$19.60M · min. income ≈ HK$189,944/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,421
−HK$5,372/mo
▼ 0.25% · 3.875%
HK$102,088
−HK$2,705/mo
Today · 4.125%
HK$104,793
baseline
▲ 0.50% · 4.625%
HK$110,316
+HK$5,523/mo
Deposit HK$2.18M · loan HK$19.60M · min. income ≈ HK$209,586/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,371 · Scale 2, in force from 26 Feb 2026)