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$49,542
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$51,083
−HK$1,566/mo
Today · 4.125%
HK$52,649
baseline
▲ 0.50% · 4.625%
HK$55,852
+HK$3,203/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$105,298/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$922,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,115
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$56,593
−HK$1,500/mo
Today · 4.125%
HK$58,093
baseline
▲ 0.50% · 4.625%
HK$61,155
+HK$3,062/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$116,186/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$922,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,450
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$61,300
−HK$1,878/mo
Today · 4.125%
HK$63,178
baseline
▲ 0.50% · 4.625%
HK$67,023
+HK$3,845/mo
Deposit HK$8.69M · loan HK$13.04M · min. income ≈ HK$126,356/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$922,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,138
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$67,912
−HK$1,799/mo
Today · 4.125%
HK$69,711
baseline
▲ 0.50% · 4.625%
HK$73,386
+HK$3,675/mo
Deposit HK$8.69M · loan HK$13.04M · min. income ≈ HK$139,422/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$922,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,359
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$71,516
−HK$2,192/mo
Today · 4.125%
HK$73,708
baseline
▲ 0.50% · 4.625%
HK$78,193
+HK$4,485/mo
Deposit HK$6.52M · loan HK$15.21M · min. income ≈ HK$147,416/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$922,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,161
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$79,230
−HK$2,100/mo
Today · 4.125%
HK$81,330
baseline
▲ 0.50% · 4.625%
HK$85,617
+HK$4,287/mo
Deposit HK$6.52M · loan HK$15.21M · min. income ≈ HK$162,660/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$922,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,176
−HK$5,592/mo
▼ 0.25% · 3.875%
HK$91,950
−HK$2,818/mo
Today · 4.125%
HK$94,768
baseline
▲ 0.50% · 4.625%
HK$100,534
+HK$5,766/mo
Deposit HK$2.17M · loan HK$19.55M · min. income ≈ HK$189,536/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$922,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,207
−HK$5,360/mo
▼ 0.25% · 3.875%
HK$101,868
−HK$2,699/mo
Today · 4.125%
HK$104,567
baseline
▲ 0.50% · 4.625%
HK$110,079
+HK$5,512/mo
Deposit HK$2.17M · loan HK$19.55M · min. income ≈ HK$209,134/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$922,652 · Scale 2, in force from 26 Feb 2026)