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$49,854
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$51,405
−HK$1,576/mo
Today · 4.125%
HK$52,981
baseline
▲ 0.50% · 4.625%
HK$56,204
+HK$3,223/mo
Deposit HK$10.93M · loan HK$10.93M · min. income ≈ HK$105,962/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$929,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,462
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$56,950
−HK$1,509/mo
Today · 4.125%
HK$58,459
baseline
▲ 0.50% · 4.625%
HK$61,540
+HK$3,081/mo
Deposit HK$10.93M · loan HK$10.93M · min. income ≈ HK$116,918/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$929,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,825
−HK$3,752/mo
▼ 0.25% · 3.875%
HK$61,686
−HK$1,891/mo
Today · 4.125%
HK$63,577
baseline
▲ 0.50% · 4.625%
HK$67,445
+HK$3,868/mo
Deposit HK$8.75M · loan HK$13.12M · min. income ≈ HK$127,154/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$929,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,555
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$68,340
−HK$1,811/mo
Today · 4.125%
HK$70,151
baseline
▲ 0.50% · 4.625%
HK$73,848
+HK$3,697/mo
Deposit HK$8.75M · loan HK$13.12M · min. income ≈ HK$140,302/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$929,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,796
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$71,967
−HK$2,206/mo
Today · 4.125%
HK$74,173
baseline
▲ 0.50% · 4.625%
HK$78,686
+HK$4,513/mo
Deposit HK$6.56M · loan HK$15.30M · min. income ≈ HK$148,346/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$929,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,647
−HK$4,195/mo
▼ 0.25% · 3.875%
HK$79,730
−HK$2,112/mo
Today · 4.125%
HK$81,842
baseline
▲ 0.50% · 4.625%
HK$86,156
+HK$4,314/mo
Deposit HK$6.56M · loan HK$15.30M · min. income ≈ HK$163,684/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$929,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,738
−HK$5,627/mo
▼ 0.25% · 3.875%
HK$92,529
−HK$2,836/mo
Today · 4.125%
HK$95,365
baseline
▲ 0.50% · 4.625%
HK$101,168
+HK$5,803/mo
Deposit HK$2.19M · loan HK$19.68M · min. income ≈ HK$190,730/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$929,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,832
−HK$5,394/mo
▼ 0.25% · 3.875%
HK$102,510
−HK$2,716/mo
Today · 4.125%
HK$105,226
baseline
▲ 0.50% · 4.625%
HK$110,772
+HK$5,546/mo
Deposit HK$2.19M · loan HK$19.68M · min. income ≈ HK$210,452/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$929,196 · Scale 2, in force from 26 Feb 2026)