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$49,603
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$51,146
−HK$1,567/mo
Today · 4.125%
HK$52,713
baseline
▲ 0.50% · 4.625%
HK$55,921
+HK$3,208/mo
Deposit HK$10.88M · loan HK$10.88M · min. income ≈ HK$105,426/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$924,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,183
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$56,663
−HK$1,501/mo
Today · 4.125%
HK$58,164
baseline
▲ 0.50% · 4.625%
HK$61,230
+HK$3,066/mo
Deposit HK$10.88M · loan HK$10.88M · min. income ≈ HK$116,328/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$924,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,523
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$61,375
−HK$1,881/mo
Today · 4.125%
HK$63,256
baseline
▲ 0.50% · 4.625%
HK$67,105
+HK$3,849/mo
Deposit HK$8.70M · loan HK$13.05M · min. income ≈ HK$126,512/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$924,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,219
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$67,995
−HK$1,802/mo
Today · 4.125%
HK$69,797
baseline
▲ 0.50% · 4.625%
HK$73,476
+HK$3,679/mo
Deposit HK$8.70M · loan HK$13.05M · min. income ≈ HK$139,594/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$924,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,444
−HK$4,355/mo
▼ 0.25% · 3.875%
HK$71,604
−HK$2,195/mo
Today · 4.125%
HK$73,799
baseline
▲ 0.50% · 4.625%
HK$78,289
+HK$4,490/mo
Deposit HK$6.53M · loan HK$15.23M · min. income ≈ HK$147,598/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$924,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,256
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$79,328
−HK$2,102/mo
Today · 4.125%
HK$81,430
baseline
▲ 0.50% · 4.625%
HK$85,722
+HK$4,292/mo
Deposit HK$6.53M · loan HK$15.23M · min. income ≈ HK$162,860/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$924,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,285
−HK$5,599/mo
▼ 0.25% · 3.875%
HK$92,062
−HK$2,822/mo
Today · 4.125%
HK$94,884
baseline
▲ 0.50% · 4.625%
HK$100,657
+HK$5,773/mo
Deposit HK$2.18M · loan HK$19.58M · min. income ≈ HK$189,768/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$924,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,329
−HK$5,366/mo
▼ 0.25% · 3.875%
HK$101,993
−HK$2,702/mo
Today · 4.125%
HK$104,695
baseline
▲ 0.50% · 4.625%
HK$110,214
+HK$5,519/mo
Deposit HK$2.18M · loan HK$19.58M · min. income ≈ HK$209,390/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$924,510 · Scale 2, in force from 26 Feb 2026)