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$49,538
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$51,079
−HK$1,566/mo
Today · 4.125%
HK$52,645
baseline
▲ 0.50% · 4.625%
HK$55,848
+HK$3,203/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$105,290/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$922,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,111
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$56,589
−HK$1,500/mo
Today · 4.125%
HK$58,089
baseline
▲ 0.50% · 4.625%
HK$61,150
+HK$3,061/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$116,178/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$922,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,446
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$61,295
−HK$1,879/mo
Today · 4.125%
HK$63,174
baseline
▲ 0.50% · 4.625%
HK$67,018
+HK$3,844/mo
Deposit HK$8.69M · loan HK$13.03M · min. income ≈ HK$126,348/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$922,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,133
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$67,907
−HK$1,799/mo
Today · 4.125%
HK$69,706
baseline
▲ 0.50% · 4.625%
HK$73,381
+HK$3,675/mo
Deposit HK$8.69M · loan HK$13.03M · min. income ≈ HK$139,412/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$922,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,354
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$71,511
−HK$2,192/mo
Today · 4.125%
HK$73,703
baseline
▲ 0.50% · 4.625%
HK$78,188
+HK$4,485/mo
Deposit HK$6.52M · loan HK$15.21M · min. income ≈ HK$147,406/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$922,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,156
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$79,225
−HK$2,099/mo
Today · 4.125%
HK$81,324
baseline
▲ 0.50% · 4.625%
HK$85,611
+HK$4,287/mo
Deposit HK$6.52M · loan HK$15.21M · min. income ≈ HK$162,648/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$922,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,169
−HK$5,592/mo
▼ 0.25% · 3.875%
HK$91,943
−HK$2,818/mo
Today · 4.125%
HK$94,761
baseline
▲ 0.50% · 4.625%
HK$100,527
+HK$5,766/mo
Deposit HK$2.17M · loan HK$19.55M · min. income ≈ HK$189,522/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$922,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,200
−HK$5,359/mo
▼ 0.25% · 3.875%
HK$101,860
−HK$2,699/mo
Today · 4.125%
HK$104,559
baseline
▲ 0.50% · 4.625%
HK$110,071
+HK$5,512/mo
Deposit HK$2.17M · loan HK$19.55M · min. income ≈ HK$209,118/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$922,497 · Scale 2, in force from 26 Feb 2026)