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$49,540
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$51,081
−HK$1,566/mo
Today · 4.125%
HK$52,647
baseline
▲ 0.50% · 4.625%
HK$55,850
+HK$3,203/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$105,294/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$922,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,113
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$56,591
−HK$1,500/mo
Today · 4.125%
HK$58,091
baseline
▲ 0.50% · 4.625%
HK$61,153
+HK$3,062/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$116,182/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$922,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,448
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$61,298
−HK$1,878/mo
Today · 4.125%
HK$63,176
baseline
▲ 0.50% · 4.625%
HK$67,020
+HK$3,844/mo
Deposit HK$8.69M · loan HK$13.04M · min. income ≈ HK$126,352/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$922,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,136
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$67,909
−HK$1,800/mo
Today · 4.125%
HK$69,709
baseline
▲ 0.50% · 4.625%
HK$73,383
+HK$3,674/mo
Deposit HK$8.69M · loan HK$13.04M · min. income ≈ HK$139,418/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$922,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,356
−HK$4,350/mo
▼ 0.25% · 3.875%
HK$71,514
−HK$2,192/mo
Today · 4.125%
HK$73,706
baseline
▲ 0.50% · 4.625%
HK$78,191
+HK$4,485/mo
Deposit HK$6.52M · loan HK$15.21M · min. income ≈ HK$147,412/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$922,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,158
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$79,228
−HK$2,099/mo
Today · 4.125%
HK$81,327
baseline
▲ 0.50% · 4.625%
HK$85,614
+HK$4,287/mo
Deposit HK$6.52M · loan HK$15.21M · min. income ≈ HK$162,654/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$922,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,173
−HK$5,591/mo
▼ 0.25% · 3.875%
HK$91,946
−HK$2,818/mo
Today · 4.125%
HK$94,764
baseline
▲ 0.50% · 4.625%
HK$100,531
+HK$5,767/mo
Deposit HK$2.17M · loan HK$19.55M · min. income ≈ HK$189,528/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$922,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,204
−HK$5,359/mo
▼ 0.25% · 3.875%
HK$101,864
−HK$2,699/mo
Today · 4.125%
HK$104,563
baseline
▲ 0.50% · 4.625%
HK$110,075
+HK$5,512/mo
Deposit HK$2.17M · loan HK$19.55M · min. income ≈ HK$209,126/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$922,576 · Scale 2, in force from 26 Feb 2026)