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$49,679
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$51,224
−HK$1,570/mo
Today · 4.125%
HK$52,794
baseline
▲ 0.50% · 4.625%
HK$56,007
+HK$3,213/mo
Deposit HK$10.89M · loan HK$10.89M · min. income ≈ HK$105,588/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$925,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,268
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$56,750
−HK$1,504/mo
Today · 4.125%
HK$58,254
baseline
▲ 0.50% · 4.625%
HK$61,324
+HK$3,070/mo
Deposit HK$10.89M · loan HK$10.89M · min. income ≈ HK$116,508/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$925,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,615
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$61,469
−HK$1,884/mo
Today · 4.125%
HK$63,353
baseline
▲ 0.50% · 4.625%
HK$67,208
+HK$3,855/mo
Deposit HK$8.71M · loan HK$13.07M · min. income ≈ HK$126,706/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$925,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,321
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$68,100
−HK$1,804/mo
Today · 4.125%
HK$69,904
baseline
▲ 0.50% · 4.625%
HK$73,589
+HK$3,685/mo
Deposit HK$8.71M · loan HK$13.07M · min. income ≈ HK$139,808/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$925,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,551
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$71,714
−HK$2,198/mo
Today · 4.125%
HK$73,912
baseline
▲ 0.50% · 4.625%
HK$78,410
+HK$4,498/mo
Deposit HK$6.54M · loan HK$15.25M · min. income ≈ HK$147,824/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$925,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,375
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$79,450
−HK$2,105/mo
Today · 4.125%
HK$81,555
baseline
▲ 0.50% · 4.625%
HK$85,854
+HK$4,299/mo
Deposit HK$6.54M · loan HK$15.25M · min. income ≈ HK$163,110/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$925,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,422
−HK$5,608/mo
▼ 0.25% · 3.875%
HK$92,204
−HK$2,826/mo
Today · 4.125%
HK$95,030
baseline
▲ 0.50% · 4.625%
HK$100,812
+HK$5,782/mo
Deposit HK$2.18M · loan HK$19.61M · min. income ≈ HK$190,060/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,482
−HK$5,374/mo
▼ 0.25% · 3.875%
HK$102,150
−HK$2,706/mo
Today · 4.125%
HK$104,856
baseline
▲ 0.50% · 4.625%
HK$110,383
+HK$5,527/mo
Deposit HK$2.18M · loan HK$19.61M · min. income ≈ HK$209,712/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,933 · Scale 2, in force from 26 Feb 2026)