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$49,792
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$51,341
−HK$1,573/mo
Today · 4.125%
HK$52,914
baseline
▲ 0.50% · 4.625%
HK$56,134
+HK$3,220/mo
Deposit HK$10.92M · loan HK$10.92M · min. income ≈ HK$105,828/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$928,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,393
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$56,879
−HK$1,507/mo
Today · 4.125%
HK$58,386
baseline
▲ 0.50% · 4.625%
HK$61,463
+HK$3,077/mo
Deposit HK$10.92M · loan HK$10.92M · min. income ≈ HK$116,772/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$928,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,750
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$61,609
−HK$1,888/mo
Today · 4.125%
HK$63,497
baseline
▲ 0.50% · 4.625%
HK$67,361
+HK$3,864/mo
Deposit HK$8.73M · loan HK$13.10M · min. income ≈ HK$126,994/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$928,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,472
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$68,254
−HK$1,809/mo
Today · 4.125%
HK$70,063
baseline
▲ 0.50% · 4.625%
HK$73,756
+HK$3,693/mo
Deposit HK$8.73M · loan HK$13.10M · min. income ≈ HK$140,126/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$928,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,709
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$71,877
−HK$2,203/mo
Today · 4.125%
HK$74,080
baseline
▲ 0.50% · 4.625%
HK$78,588
+HK$4,508/mo
Deposit HK$6.55M · loan HK$15.29M · min. income ≈ HK$148,160/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$928,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,550
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$79,630
−HK$2,110/mo
Today · 4.125%
HK$81,740
baseline
▲ 0.50% · 4.625%
HK$86,049
+HK$4,309/mo
Deposit HK$6.55M · loan HK$15.29M · min. income ≈ HK$163,480/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$928,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,626
−HK$5,620/mo
▼ 0.25% · 3.875%
HK$92,413
−HK$2,833/mo
Today · 4.125%
HK$95,246
baseline
▲ 0.50% · 4.625%
HK$101,041
+HK$5,795/mo
Deposit HK$2.18M · loan HK$19.65M · min. income ≈ HK$190,492/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,708
−HK$5,386/mo
▼ 0.25% · 3.875%
HK$102,382
−HK$2,712/mo
Today · 4.125%
HK$105,094
baseline
▲ 0.50% · 4.625%
HK$110,634
+HK$5,540/mo
Deposit HK$2.18M · loan HK$19.65M · min. income ≈ HK$210,188/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,036 · Scale 2, in force from 26 Feb 2026)