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$49,633
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$51,177
−HK$1,568/mo
Today · 4.125%
HK$52,745
baseline
▲ 0.50% · 4.625%
HK$55,955
+HK$3,210/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$925,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,216
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$56,697
−HK$1,502/mo
Today · 4.125%
HK$58,199
baseline
▲ 0.50% · 4.625%
HK$61,267
+HK$3,068/mo
Deposit HK$10.88M · loan HK$10.88M · min. income ≈ HK$116,398/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$925,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,560
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$61,412
−HK$1,882/mo
Today · 4.125%
HK$63,294
baseline
▲ 0.50% · 4.625%
HK$67,146
+HK$3,852/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$925,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,259
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$68,036
−HK$1,803/mo
Today · 4.125%
HK$69,839
baseline
▲ 0.50% · 4.625%
HK$73,520
+HK$3,681/mo
Deposit HK$8.71M · loan HK$13.06M · min. income ≈ HK$139,678/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$925,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,486
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$71,648
−HK$2,196/mo
Today · 4.125%
HK$73,844
baseline
▲ 0.50% · 4.625%
HK$78,337
+HK$4,493/mo
Deposit HK$6.53M · loan HK$15.24M · min. income ≈ HK$147,688/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$925,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,303
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$79,376
−HK$2,103/mo
Today · 4.125%
HK$81,479
baseline
▲ 0.50% · 4.625%
HK$85,774
+HK$4,295/mo
Deposit HK$6.53M · loan HK$15.24M · min. income ≈ HK$162,958/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$925,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,339
−HK$5,603/mo
▼ 0.25% · 3.875%
HK$92,118
−HK$2,824/mo
Today · 4.125%
HK$94,942
baseline
▲ 0.50% · 4.625%
HK$100,719
+HK$5,777/mo
Deposit HK$2.18M · loan HK$19.59M · min. income ≈ HK$189,884/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,389
−HK$5,370/mo
▼ 0.25% · 3.875%
HK$102,055
−HK$2,704/mo
Today · 4.125%
HK$104,759
baseline
▲ 0.50% · 4.625%
HK$110,281
+HK$5,522/mo
Deposit HK$2.18M · loan HK$19.59M · min. income ≈ HK$209,518/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,072 · Scale 2, in force from 26 Feb 2026)