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$49,557
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$51,098
−HK$1,566/mo
Today · 4.125%
HK$52,664
baseline
▲ 0.50% · 4.625%
HK$55,869
+HK$3,205/mo
Deposit HK$10.87M · loan HK$10.87M · min. income ≈ HK$105,328/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$923,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,131
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$56,610
−HK$1,500/mo
Today · 4.125%
HK$58,110
baseline
▲ 0.50% · 4.625%
HK$61,173
+HK$3,063/mo
Deposit HK$10.87M · loan HK$10.87M · min. income ≈ HK$116,220/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$923,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,468
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$61,318
−HK$1,879/mo
Today · 4.125%
HK$63,197
baseline
▲ 0.50% · 4.625%
HK$67,042
+HK$3,845/mo
Deposit HK$8.69M · loan HK$13.04M · min. income ≈ HK$126,394/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$923,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,157
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$67,932
−HK$1,800/mo
Today · 4.125%
HK$69,732
baseline
▲ 0.50% · 4.625%
HK$73,407
+HK$3,675/mo
Deposit HK$8.69M · loan HK$13.04M · min. income ≈ HK$139,464/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$923,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,379
−HK$4,351/mo
▼ 0.25% · 3.875%
HK$71,537
−HK$2,193/mo
Today · 4.125%
HK$73,730
baseline
▲ 0.50% · 4.625%
HK$78,216
+HK$4,486/mo
Deposit HK$6.52M · loan HK$15.21M · min. income ≈ HK$147,460/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$923,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,184
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$79,254
−HK$2,100/mo
Today · 4.125%
HK$81,354
baseline
▲ 0.50% · 4.625%
HK$85,642
+HK$4,288/mo
Deposit HK$6.52M · loan HK$15.21M · min. income ≈ HK$162,708/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$923,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,202
−HK$5,594/mo
▼ 0.25% · 3.875%
HK$91,976
−HK$2,820/mo
Today · 4.125%
HK$94,796
baseline
▲ 0.50% · 4.625%
HK$100,564
+HK$5,768/mo
Deposit HK$2.17M · loan HK$19.56M · min. income ≈ HK$189,592/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$923,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,236
−HK$5,362/mo
▼ 0.25% · 3.875%
HK$101,898
−HK$2,700/mo
Today · 4.125%
HK$104,598
baseline
▲ 0.50% · 4.625%
HK$110,111
+HK$5,513/mo
Deposit HK$2.17M · loan HK$19.56M · min. income ≈ HK$209,196/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$923,289 · Scale 2, in force from 26 Feb 2026)