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$49,772
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$51,320
−HK$1,573/mo
Today · 4.125%
HK$52,893
baseline
▲ 0.50% · 4.625%
HK$56,111
+HK$3,218/mo
Deposit HK$10.91M · loan HK$10.91M · min. income ≈ HK$105,786/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$927,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,370
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$56,855
−HK$1,507/mo
Today · 4.125%
HK$58,362
baseline
▲ 0.50% · 4.625%
HK$61,438
+HK$3,076/mo
Deposit HK$10.91M · loan HK$10.91M · min. income ≈ HK$116,724/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$927,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,726
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$61,584
−HK$1,887/mo
Today · 4.125%
HK$63,471
baseline
▲ 0.50% · 4.625%
HK$67,333
+HK$3,862/mo
Deposit HK$8.73M · loan HK$13.10M · min. income ≈ HK$126,942/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$927,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,445
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$68,227
−HK$1,807/mo
Today · 4.125%
HK$70,034
baseline
▲ 0.50% · 4.625%
HK$73,726
+HK$3,692/mo
Deposit HK$8.73M · loan HK$13.10M · min. income ≈ HK$140,068/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$927,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,680
−HK$4,370/mo
▼ 0.25% · 3.875%
HK$71,848
−HK$2,202/mo
Today · 4.125%
HK$74,050
baseline
▲ 0.50% · 4.625%
HK$78,556
+HK$4,506/mo
Deposit HK$6.55M · loan HK$15.28M · min. income ≈ HK$148,100/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$927,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,519
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$79,598
−HK$2,109/mo
Today · 4.125%
HK$81,707
baseline
▲ 0.50% · 4.625%
HK$86,014
+HK$4,307/mo
Deposit HK$6.55M · loan HK$15.28M · min. income ≈ HK$163,414/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$927,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,589
−HK$5,618/mo
▼ 0.25% · 3.875%
HK$92,376
−HK$2,831/mo
Today · 4.125%
HK$95,207
baseline
▲ 0.50% · 4.625%
HK$101,000
+HK$5,793/mo
Deposit HK$2.18M · loan HK$19.64M · min. income ≈ HK$190,414/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$927,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,667
−HK$5,385/mo
▼ 0.25% · 3.875%
HK$102,340
−HK$2,712/mo
Today · 4.125%
HK$105,052
baseline
▲ 0.50% · 4.625%
HK$110,589
+HK$5,537/mo
Deposit HK$2.18M · loan HK$19.64M · min. income ≈ HK$210,104/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$927,657 · Scale 2, in force from 26 Feb 2026)