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$49,694
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$51,240
−HK$1,570/mo
Today · 4.125%
HK$52,810
baseline
▲ 0.50% · 4.625%
HK$56,024
+HK$3,214/mo
Deposit HK$10.90M · loan HK$10.90M · min. income ≈ HK$105,620/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$926,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,284
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$56,767
−HK$1,504/mo
Today · 4.125%
HK$58,271
baseline
▲ 0.50% · 4.625%
HK$61,343
+HK$3,072/mo
Deposit HK$10.90M · loan HK$10.90M · min. income ≈ HK$116,542/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$926,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,633
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$61,488
−HK$1,884/mo
Today · 4.125%
HK$63,372
baseline
▲ 0.50% · 4.625%
HK$67,228
+HK$3,856/mo
Deposit HK$8.72M · loan HK$13.08M · min. income ≈ HK$126,744/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$926,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,341
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$68,120
−HK$1,805/mo
Today · 4.125%
HK$69,925
baseline
▲ 0.50% · 4.625%
HK$73,611
+HK$3,686/mo
Deposit HK$8.72M · loan HK$13.08M · min. income ≈ HK$139,850/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$926,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,572
−HK$4,363/mo
▼ 0.25% · 3.875%
HK$71,736
−HK$2,199/mo
Today · 4.125%
HK$73,935
baseline
▲ 0.50% · 4.625%
HK$78,433
+HK$4,498/mo
Deposit HK$6.54M · loan HK$15.26M · min. income ≈ HK$147,870/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$926,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,398
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$79,474
−HK$2,105/mo
Today · 4.125%
HK$81,579
baseline
▲ 0.50% · 4.625%
HK$85,880
+HK$4,301/mo
Deposit HK$6.54M · loan HK$15.26M · min. income ≈ HK$163,158/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$926,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,449
−HK$5,610/mo
▼ 0.25% · 3.875%
HK$92,232
−HK$2,827/mo
Today · 4.125%
HK$95,059
baseline
▲ 0.50% · 4.625%
HK$100,843
+HK$5,784/mo
Deposit HK$2.18M · loan HK$19.61M · min. income ≈ HK$190,118/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$926,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,512
−HK$5,376/mo
▼ 0.25% · 3.875%
HK$102,180
−HK$2,708/mo
Today · 4.125%
HK$104,888
baseline
▲ 0.50% · 4.625%
HK$110,417
+HK$5,529/mo
Deposit HK$2.18M · loan HK$19.61M · min. income ≈ HK$209,776/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$926,212 · Scale 2, in force from 26 Feb 2026)