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$49,666
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$51,211
−HK$1,570/mo
Today · 4.125%
HK$52,781
baseline
▲ 0.50% · 4.625%
HK$55,992
+HK$3,211/mo
Deposit HK$10.89M · loan HK$10.89M · min. income ≈ HK$105,562/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$925,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,253
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$56,735
−HK$1,503/mo
Today · 4.125%
HK$58,238
baseline
▲ 0.50% · 4.625%
HK$61,308
+HK$3,070/mo
Deposit HK$10.89M · loan HK$10.89M · min. income ≈ HK$116,476/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$925,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,599
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$61,453
−HK$1,884/mo
Today · 4.125%
HK$63,337
baseline
▲ 0.50% · 4.625%
HK$67,191
+HK$3,854/mo
Deposit HK$8.71M · loan HK$13.07M · min. income ≈ HK$126,674/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$925,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,304
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$68,082
−HK$1,804/mo
Today · 4.125%
HK$69,886
baseline
▲ 0.50% · 4.625%
HK$73,570
+HK$3,684/mo
Deposit HK$8.71M · loan HK$13.07M · min. income ≈ HK$139,772/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$925,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,533
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$71,695
−HK$2,198/mo
Today · 4.125%
HK$73,893
baseline
▲ 0.50% · 4.625%
HK$78,389
+HK$4,496/mo
Deposit HK$6.53M · loan HK$15.25M · min. income ≈ HK$147,786/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$925,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,354
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$79,429
−HK$2,105/mo
Today · 4.125%
HK$81,534
baseline
▲ 0.50% · 4.625%
HK$85,831
+HK$4,297/mo
Deposit HK$6.53M · loan HK$15.25M · min. income ≈ HK$163,068/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$925,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,399
−HK$5,606/mo
▼ 0.25% · 3.875%
HK$92,180
−HK$2,825/mo
Today · 4.125%
HK$95,005
baseline
▲ 0.50% · 4.625%
HK$100,786
+HK$5,781/mo
Deposit HK$2.18M · loan HK$19.60M · min. income ≈ HK$190,010/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,456
−HK$5,373/mo
▼ 0.25% · 3.875%
HK$102,123
−HK$2,706/mo
Today · 4.125%
HK$104,829
baseline
▲ 0.50% · 4.625%
HK$110,355
+HK$5,526/mo
Deposit HK$2.18M · loan HK$19.60M · min. income ≈ HK$209,658/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,691 · Scale 2, in force from 26 Feb 2026)