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$49,566
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$51,107
−HK$1,567/mo
Today · 4.125%
HK$52,674
baseline
▲ 0.50% · 4.625%
HK$55,879
+HK$3,205/mo
Deposit HK$10.87M · loan HK$10.87M · min. income ≈ HK$105,348/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$923,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,141
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$56,620
−HK$1,500/mo
Today · 4.125%
HK$58,120
baseline
▲ 0.50% · 4.625%
HK$61,184
+HK$3,064/mo
Deposit HK$10.87M · loan HK$10.87M · min. income ≈ HK$116,240/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$923,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,479
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$61,329
−HK$1,879/mo
Today · 4.125%
HK$63,208
baseline
▲ 0.50% · 4.625%
HK$67,055
+HK$3,847/mo
Deposit HK$8.69M · loan HK$13.04M · min. income ≈ HK$126,416/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$923,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,169
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$67,944
−HK$1,800/mo
Today · 4.125%
HK$69,744
baseline
▲ 0.50% · 4.625%
HK$73,421
+HK$3,677/mo
Deposit HK$8.69M · loan HK$13.04M · min. income ≈ HK$139,488/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$923,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,392
−HK$4,351/mo
▼ 0.25% · 3.875%
HK$71,550
−HK$2,193/mo
Today · 4.125%
HK$73,743
baseline
▲ 0.50% · 4.625%
HK$78,230
+HK$4,487/mo
Deposit HK$6.52M · loan HK$15.22M · min. income ≈ HK$147,486/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$923,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,198
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$79,268
−HK$2,100/mo
Today · 4.125%
HK$81,368
baseline
▲ 0.50% · 4.625%
HK$85,657
+HK$4,289/mo
Deposit HK$6.52M · loan HK$15.22M · min. income ≈ HK$162,736/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$923,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,218
−HK$5,595/mo
▼ 0.25% · 3.875%
HK$91,993
−HK$2,820/mo
Today · 4.125%
HK$94,813
baseline
▲ 0.50% · 4.625%
HK$100,582
+HK$5,769/mo
Deposit HK$2.17M · loan HK$19.56M · min. income ≈ HK$189,626/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$923,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,254
−HK$5,362/mo
▼ 0.25% · 3.875%
HK$101,916
−HK$2,700/mo
Today · 4.125%
HK$104,616
baseline
▲ 0.50% · 4.625%
HK$110,131
+HK$5,515/mo
Deposit HK$2.17M · loan HK$19.56M · min. income ≈ HK$209,232/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$923,682 · Scale 2, in force from 26 Feb 2026)