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$49,528
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$51,069
−HK$1,565/mo
Today · 4.125%
HK$52,634
baseline
▲ 0.50% · 4.625%
HK$55,837
+HK$3,203/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$105,268/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$922,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,100
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$56,577
−HK$1,499/mo
Today · 4.125%
HK$58,076
baseline
▲ 0.50% · 4.625%
HK$61,138
+HK$3,062/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$116,152/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$922,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,434
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$61,283
−HK$1,878/mo
Today · 4.125%
HK$63,161
baseline
▲ 0.50% · 4.625%
HK$67,004
+HK$3,843/mo
Deposit HK$8.69M · loan HK$13.03M · min. income ≈ HK$126,322/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$922,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,120
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$67,893
−HK$1,799/mo
Today · 4.125%
HK$69,692
baseline
▲ 0.50% · 4.625%
HK$73,365
+HK$3,673/mo
Deposit HK$8.69M · loan HK$13.03M · min. income ≈ HK$139,384/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$922,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,339
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$71,496
−HK$2,192/mo
Today · 4.125%
HK$73,688
baseline
▲ 0.50% · 4.625%
HK$78,171
+HK$4,483/mo
Deposit HK$6.52M · loan HK$15.20M · min. income ≈ HK$147,376/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$922,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,139
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$79,208
−HK$2,099/mo
Today · 4.125%
HK$81,307
baseline
▲ 0.50% · 4.625%
HK$85,593
+HK$4,286/mo
Deposit HK$6.52M · loan HK$15.20M · min. income ≈ HK$162,614/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$922,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,151
−HK$5,590/mo
▼ 0.25% · 3.875%
HK$91,924
−HK$2,817/mo
Today · 4.125%
HK$94,741
baseline
▲ 0.50% · 4.625%
HK$100,506
+HK$5,765/mo
Deposit HK$2.17M · loan HK$19.55M · min. income ≈ HK$189,482/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$922,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,179
−HK$5,359/mo
▼ 0.25% · 3.875%
HK$101,839
−HK$2,699/mo
Today · 4.125%
HK$104,538
baseline
▲ 0.50% · 4.625%
HK$110,048
+HK$5,510/mo
Deposit HK$2.17M · loan HK$19.55M · min. income ≈ HK$209,076/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$922,044 · Scale 2, in force from 26 Feb 2026)