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$49,560
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$51,101
−HK$1,567/mo
Today · 4.125%
HK$52,668
baseline
▲ 0.50% · 4.625%
HK$55,872
+HK$3,204/mo
Deposit HK$10.87M · loan HK$10.87M · min. income ≈ HK$105,336/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$923,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,135
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$56,614
−HK$1,500/mo
Today · 4.125%
HK$58,114
baseline
▲ 0.50% · 4.625%
HK$61,177
+HK$3,063/mo
Deposit HK$10.87M · loan HK$10.87M · min. income ≈ HK$116,228/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$923,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,472
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$61,322
−HK$1,879/mo
Today · 4.125%
HK$63,201
baseline
▲ 0.50% · 4.625%
HK$67,047
+HK$3,846/mo
Deposit HK$8.69M · loan HK$13.04M · min. income ≈ HK$126,402/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$923,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,162
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$67,936
−HK$1,800/mo
Today · 4.125%
HK$69,736
baseline
▲ 0.50% · 4.625%
HK$73,412
+HK$3,676/mo
Deposit HK$8.69M · loan HK$13.04M · min. income ≈ HK$139,472/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$923,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,384
−HK$4,351/mo
▼ 0.25% · 3.875%
HK$71,542
−HK$2,193/mo
Today · 4.125%
HK$73,735
baseline
▲ 0.50% · 4.625%
HK$78,221
+HK$4,486/mo
Deposit HK$6.52M · loan HK$15.21M · min. income ≈ HK$147,470/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$923,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,189
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$79,259
−HK$2,100/mo
Today · 4.125%
HK$81,359
baseline
▲ 0.50% · 4.625%
HK$85,648
+HK$4,289/mo
Deposit HK$6.52M · loan HK$15.21M · min. income ≈ HK$162,718/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$923,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,208
−HK$5,594/mo
▼ 0.25% · 3.875%
HK$91,983
−HK$2,819/mo
Today · 4.125%
HK$94,802
baseline
▲ 0.50% · 4.625%
HK$100,570
+HK$5,768/mo
Deposit HK$2.17M · loan HK$19.56M · min. income ≈ HK$189,604/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$923,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,243
−HK$5,361/mo
▼ 0.25% · 3.875%
HK$101,904
−HK$2,700/mo
Today · 4.125%
HK$104,604
baseline
▲ 0.50% · 4.625%
HK$110,118
+HK$5,514/mo
Deposit HK$2.17M · loan HK$19.56M · min. income ≈ HK$209,208/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$923,434 · Scale 2, in force from 26 Feb 2026)