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$49,608
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$51,152
−HK$1,567/mo
Today · 4.125%
HK$52,719
baseline
▲ 0.50% · 4.625%
HK$55,927
+HK$3,208/mo
Deposit HK$10.88M · loan HK$10.88M · min. income ≈ HK$105,438/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$924,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,189
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$56,669
−HK$1,502/mo
Today · 4.125%
HK$58,171
baseline
▲ 0.50% · 4.625%
HK$61,237
+HK$3,066/mo
Deposit HK$10.88M · loan HK$10.88M · min. income ≈ HK$116,342/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$924,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,530
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$61,382
−HK$1,881/mo
Today · 4.125%
HK$63,263
baseline
▲ 0.50% · 4.625%
HK$67,113
+HK$3,850/mo
Deposit HK$8.70M · loan HK$13.05M · min. income ≈ HK$126,526/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$924,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,227
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$68,003
−HK$1,802/mo
Today · 4.125%
HK$69,805
baseline
▲ 0.50% · 4.625%
HK$73,484
+HK$3,679/mo
Deposit HK$8.70M · loan HK$13.05M · min. income ≈ HK$139,610/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$924,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,452
−HK$4,355/mo
▼ 0.25% · 3.875%
HK$71,612
−HK$2,195/mo
Today · 4.125%
HK$73,807
baseline
▲ 0.50% · 4.625%
HK$78,298
+HK$4,491/mo
Deposit HK$6.53M · loan HK$15.23M · min. income ≈ HK$147,614/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$924,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,265
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$79,337
−HK$2,102/mo
Today · 4.125%
HK$81,439
baseline
▲ 0.50% · 4.625%
HK$85,732
+HK$4,293/mo
Deposit HK$6.53M · loan HK$15.23M · min. income ≈ HK$162,878/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$924,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,295
−HK$5,600/mo
▼ 0.25% · 3.875%
HK$92,073
−HK$2,822/mo
Today · 4.125%
HK$94,895
baseline
▲ 0.50% · 4.625%
HK$100,669
+HK$5,774/mo
Deposit HK$2.18M · loan HK$19.58M · min. income ≈ HK$189,790/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$924,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,340
−HK$5,367/mo
▼ 0.25% · 3.875%
HK$102,004
−HK$2,703/mo
Today · 4.125%
HK$104,707
baseline
▲ 0.50% · 4.625%
HK$110,226
+HK$5,519/mo
Deposit HK$2.18M · loan HK$19.58M · min. income ≈ HK$209,414/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$924,616 · Scale 2, in force from 26 Feb 2026)