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$49,592
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$51,134
−HK$1,568/mo
Today · 4.125%
HK$52,702
baseline
▲ 0.50% · 4.625%
HK$55,908
+HK$3,206/mo
Deposit HK$10.87M · loan HK$10.87M · min. income ≈ HK$105,404/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$924,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,170
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$56,650
−HK$1,501/mo
Today · 4.125%
HK$58,151
baseline
▲ 0.50% · 4.625%
HK$61,216
+HK$3,065/mo
Deposit HK$10.87M · loan HK$10.87M · min. income ≈ HK$116,302/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$924,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,510
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$61,361
−HK$1,881/mo
Today · 4.125%
HK$63,242
baseline
▲ 0.50% · 4.625%
HK$67,090
+HK$3,848/mo
Deposit HK$8.70M · loan HK$13.05M · min. income ≈ HK$126,484/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$924,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,204
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$67,980
−HK$1,801/mo
Today · 4.125%
HK$69,781
baseline
▲ 0.50% · 4.625%
HK$73,459
+HK$3,678/mo
Deposit HK$8.70M · loan HK$13.05M · min. income ≈ HK$139,562/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$924,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,428
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$71,588
−HK$2,194/mo
Today · 4.125%
HK$73,782
baseline
▲ 0.50% · 4.625%
HK$78,272
+HK$4,490/mo
Deposit HK$6.52M · loan HK$15.22M · min. income ≈ HK$147,564/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$924,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,238
−HK$4,173/mo
▼ 0.25% · 3.875%
HK$79,310
−HK$2,101/mo
Today · 4.125%
HK$81,411
baseline
▲ 0.50% · 4.625%
HK$85,703
+HK$4,292/mo
Deposit HK$6.52M · loan HK$15.22M · min. income ≈ HK$162,822/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$924,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,265
−HK$5,598/mo
▼ 0.25% · 3.875%
HK$92,042
−HK$2,821/mo
Today · 4.125%
HK$94,863
baseline
▲ 0.50% · 4.625%
HK$100,635
+HK$5,772/mo
Deposit HK$2.17M · loan HK$19.57M · min. income ≈ HK$189,726/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$924,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,307
−HK$5,365/mo
▼ 0.25% · 3.875%
HK$101,970
−HK$2,702/mo
Today · 4.125%
HK$104,672
baseline
▲ 0.50% · 4.625%
HK$110,189
+HK$5,517/mo
Deposit HK$2.17M · loan HK$19.57M · min. income ≈ HK$209,344/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$924,304 · Scale 2, in force from 26 Feb 2026)