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$49,515
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$51,055
−HK$1,565/mo
Today · 4.125%
HK$52,620
baseline
▲ 0.50% · 4.625%
HK$55,822
+HK$3,202/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$105,240/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$921,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,085
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$56,562
−HK$1,499/mo
Today · 4.125%
HK$58,061
baseline
▲ 0.50% · 4.625%
HK$61,122
+HK$3,061/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$116,122/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$921,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,418
−HK$3,726/mo
▼ 0.25% · 3.875%
HK$61,266
−HK$1,878/mo
Today · 4.125%
HK$63,144
baseline
▲ 0.50% · 4.625%
HK$66,986
+HK$3,842/mo
Deposit HK$8.69M · loan HK$13.03M · min. income ≈ HK$126,288/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$921,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,102
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$67,875
−HK$1,798/mo
Today · 4.125%
HK$69,673
baseline
▲ 0.50% · 4.625%
HK$73,346
+HK$3,673/mo
Deposit HK$8.69M · loan HK$13.03M · min. income ≈ HK$139,346/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$921,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,321
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$71,477
−HK$2,191/mo
Today · 4.125%
HK$73,668
baseline
▲ 0.50% · 4.625%
HK$78,151
+HK$4,483/mo
Deposit HK$6.51M · loan HK$15.20M · min. income ≈ HK$147,336/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$921,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,119
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$79,187
−HK$2,098/mo
Today · 4.125%
HK$81,285
baseline
▲ 0.50% · 4.625%
HK$85,570
+HK$4,285/mo
Deposit HK$6.51M · loan HK$15.20M · min. income ≈ HK$162,570/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$921,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,127
−HK$5,589/mo
▼ 0.25% · 3.875%
HK$91,899
−HK$2,817/mo
Today · 4.125%
HK$94,716
baseline
▲ 0.50% · 4.625%
HK$100,479
+HK$5,763/mo
Deposit HK$2.17M · loan HK$19.54M · min. income ≈ HK$189,432/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$921,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,153
−HK$5,357/mo
▼ 0.25% · 3.875%
HK$101,812
−HK$2,698/mo
Today · 4.125%
HK$104,510
baseline
▲ 0.50% · 4.625%
HK$110,019
+HK$5,509/mo
Deposit HK$2.17M · loan HK$19.54M · min. income ≈ HK$209,020/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$921,468 · Scale 2, in force from 26 Feb 2026)