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$49,719
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$51,265
−HK$1,571/mo
Today · 4.125%
HK$52,836
baseline
▲ 0.50% · 4.625%
HK$56,051
+HK$3,215/mo
Deposit HK$10.90M · loan HK$10.90M · min. income ≈ HK$105,672/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$926,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,311
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$56,795
−HK$1,505/mo
Today · 4.125%
HK$58,300
baseline
▲ 0.50% · 4.625%
HK$61,373
+HK$3,073/mo
Deposit HK$10.90M · loan HK$10.90M · min. income ≈ HK$116,600/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$926,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,662
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$61,518
−HK$1,886/mo
Today · 4.125%
HK$63,404
baseline
▲ 0.50% · 4.625%
HK$67,262
+HK$3,858/mo
Deposit HK$8.72M · loan HK$13.08M · min. income ≈ HK$126,808/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$926,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,374
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$68,154
−HK$1,806/mo
Today · 4.125%
HK$69,960
baseline
▲ 0.50% · 4.625%
HK$73,647
+HK$3,687/mo
Deposit HK$8.72M · loan HK$13.08M · min. income ≈ HK$139,920/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$926,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,606
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$71,771
−HK$2,200/mo
Today · 4.125%
HK$73,971
baseline
▲ 0.50% · 4.625%
HK$78,472
+HK$4,501/mo
Deposit HK$6.54M · loan HK$15.26M · min. income ≈ HK$147,942/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$926,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,436
−HK$4,183/mo
▼ 0.25% · 3.875%
HK$79,513
−HK$2,106/mo
Today · 4.125%
HK$81,619
baseline
▲ 0.50% · 4.625%
HK$85,922
+HK$4,303/mo
Deposit HK$6.54M · loan HK$15.26M · min. income ≈ HK$163,238/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$926,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,493
−HK$5,612/mo
▼ 0.25% · 3.875%
HK$92,277
−HK$2,828/mo
Today · 4.125%
HK$95,105
baseline
▲ 0.50% · 4.625%
HK$100,892
+HK$5,787/mo
Deposit HK$2.18M · loan HK$19.62M · min. income ≈ HK$190,210/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$926,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,560
−HK$5,379/mo
▼ 0.25% · 3.875%
HK$102,231
−HK$2,708/mo
Today · 4.125%
HK$104,939
baseline
▲ 0.50% · 4.625%
HK$110,471
+HK$5,532/mo
Deposit HK$2.18M · loan HK$19.62M · min. income ≈ HK$209,878/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$926,667 · Scale 2, in force from 26 Feb 2026)