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$49,571
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$51,113
−HK$1,567/mo
Today · 4.125%
HK$52,680
baseline
▲ 0.50% · 4.625%
HK$55,885
+HK$3,205/mo
Deposit HK$10.87M · loan HK$10.87M · min. income ≈ HK$105,360/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$923,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,148
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$56,627
−HK$1,500/mo
Today · 4.125%
HK$58,127
baseline
▲ 0.50% · 4.625%
HK$61,191
+HK$3,064/mo
Deposit HK$10.87M · loan HK$10.87M · min. income ≈ HK$116,254/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$923,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,486
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$61,336
−HK$1,880/mo
Today · 4.125%
HK$63,216
baseline
▲ 0.50% · 4.625%
HK$67,062
+HK$3,846/mo
Deposit HK$8.70M · loan HK$13.04M · min. income ≈ HK$126,432/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$923,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,177
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$67,952
−HK$1,800/mo
Today · 4.125%
HK$69,752
baseline
▲ 0.50% · 4.625%
HK$73,429
+HK$3,677/mo
Deposit HK$8.70M · loan HK$13.04M · min. income ≈ HK$139,504/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$923,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,400
−HK$4,352/mo
▼ 0.25% · 3.875%
HK$71,559
−HK$2,193/mo
Today · 4.125%
HK$73,752
baseline
▲ 0.50% · 4.625%
HK$78,239
+HK$4,487/mo
Deposit HK$6.52M · loan HK$15.22M · min. income ≈ HK$147,504/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$923,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,207
−HK$4,171/mo
▼ 0.25% · 3.875%
HK$79,277
−HK$2,101/mo
Today · 4.125%
HK$81,378
baseline
▲ 0.50% · 4.625%
HK$85,667
+HK$4,289/mo
Deposit HK$6.52M · loan HK$15.22M · min. income ≈ HK$162,756/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$923,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,228
−HK$5,596/mo
▼ 0.25% · 3.875%
HK$92,004
−HK$2,820/mo
Today · 4.125%
HK$94,824
baseline
▲ 0.50% · 4.625%
HK$100,594
+HK$5,770/mo
Deposit HK$2.17M · loan HK$19.57M · min. income ≈ HK$189,648/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$923,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,266
−HK$5,363/mo
▼ 0.25% · 3.875%
HK$101,928
−HK$2,701/mo
Today · 4.125%
HK$104,629
baseline
▲ 0.50% · 4.625%
HK$110,144
+HK$5,515/mo
Deposit HK$2.17M · loan HK$19.57M · min. income ≈ HK$209,258/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$923,923 · Scale 2, in force from 26 Feb 2026)