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$49,756
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$51,303
−HK$1,573/mo
Today · 4.125%
HK$52,876
baseline
▲ 0.50% · 4.625%
HK$56,093
+HK$3,217/mo
Deposit HK$10.91M · loan HK$10.91M · min. income ≈ HK$105,752/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$927,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,353
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$56,837
−HK$1,506/mo
Today · 4.125%
HK$58,343
baseline
▲ 0.50% · 4.625%
HK$61,419
+HK$3,076/mo
Deposit HK$10.91M · loan HK$10.91M · min. income ≈ HK$116,686/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$927,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,707
−HK$3,744/mo
▼ 0.25% · 3.875%
HK$61,564
−HK$1,887/mo
Today · 4.125%
HK$63,451
baseline
▲ 0.50% · 4.625%
HK$67,312
+HK$3,861/mo
Deposit HK$8.73M · loan HK$13.09M · min. income ≈ HK$126,902/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$927,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,423
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$68,205
−HK$1,807/mo
Today · 4.125%
HK$70,012
baseline
▲ 0.50% · 4.625%
HK$73,702
+HK$3,690/mo
Deposit HK$8.73M · loan HK$13.09M · min. income ≈ HK$140,024/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$927,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,658
−HK$4,368/mo
▼ 0.25% · 3.875%
HK$71,825
−HK$2,201/mo
Today · 4.125%
HK$74,026
baseline
▲ 0.50% · 4.625%
HK$78,530
+HK$4,504/mo
Deposit HK$6.55M · loan HK$15.27M · min. income ≈ HK$148,052/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$927,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,494
−HK$4,187/mo
▼ 0.25% · 3.875%
HK$79,572
−HK$2,109/mo
Today · 4.125%
HK$81,681
baseline
▲ 0.50% · 4.625%
HK$85,986
+HK$4,305/mo
Deposit HK$6.55M · loan HK$15.27M · min. income ≈ HK$163,362/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$927,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,560
−HK$5,616/mo
▼ 0.25% · 3.875%
HK$92,346
−HK$2,830/mo
Today · 4.125%
HK$95,176
baseline
▲ 0.50% · 4.625%
HK$100,968
+HK$5,792/mo
Deposit HK$2.18M · loan HK$19.64M · min. income ≈ HK$190,352/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$927,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,635
−HK$5,383/mo
▼ 0.25% · 3.875%
HK$102,307
−HK$2,711/mo
Today · 4.125%
HK$105,018
baseline
▲ 0.50% · 4.625%
HK$110,553
+HK$5,535/mo
Deposit HK$2.18M · loan HK$19.64M · min. income ≈ HK$210,036/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$927,359 · Scale 2, in force from 26 Feb 2026)