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$49,549
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$51,090
−HK$1,566/mo
Today · 4.125%
HK$52,656
baseline
▲ 0.50% · 4.625%
HK$55,860
+HK$3,204/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$105,312/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$922,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,122
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$56,601
−HK$1,500/mo
Today · 4.125%
HK$58,101
baseline
▲ 0.50% · 4.625%
HK$61,163
+HK$3,062/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$116,202/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$922,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,458
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$61,308
−HK$1,879/mo
Today · 4.125%
HK$63,187
baseline
▲ 0.50% · 4.625%
HK$67,032
+HK$3,845/mo
Deposit HK$8.69M · loan HK$13.04M · min. income ≈ HK$126,374/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$922,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,147
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$67,921
−HK$1,800/mo
Today · 4.125%
HK$69,721
baseline
▲ 0.50% · 4.625%
HK$73,396
+HK$3,675/mo
Deposit HK$8.69M · loan HK$13.04M · min. income ≈ HK$139,442/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$922,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,368
−HK$4,350/mo
▼ 0.25% · 3.875%
HK$71,526
−HK$2,192/mo
Today · 4.125%
HK$73,718
baseline
▲ 0.50% · 4.625%
HK$78,204
+HK$4,486/mo
Deposit HK$6.52M · loan HK$15.21M · min. income ≈ HK$147,436/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$922,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,171
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$79,241
−HK$2,100/mo
Today · 4.125%
HK$81,341
baseline
▲ 0.50% · 4.625%
HK$85,628
+HK$4,287/mo
Deposit HK$6.52M · loan HK$15.21M · min. income ≈ HK$162,682/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$922,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,188
−HK$5,593/mo
▼ 0.25% · 3.875%
HK$91,962
−HK$2,819/mo
Today · 4.125%
HK$94,781
baseline
▲ 0.50% · 4.625%
HK$100,548
+HK$5,767/mo
Deposit HK$2.17M · loan HK$19.56M · min. income ≈ HK$189,562/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$922,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,220
−HK$5,361/mo
▼ 0.25% · 3.875%
HK$101,881
−HK$2,700/mo
Today · 4.125%
HK$104,581
baseline
▲ 0.50% · 4.625%
HK$110,094
+HK$5,513/mo
Deposit HK$2.17M · loan HK$19.56M · min. income ≈ HK$209,162/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$922,946 · Scale 2, in force from 26 Feb 2026)