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$49,801
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$51,350
−HK$1,574/mo
Today · 4.125%
HK$52,924
baseline
▲ 0.50% · 4.625%
HK$56,144
+HK$3,220/mo
Deposit HK$10.92M · loan HK$10.92M · min. income ≈ HK$105,848/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$928,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,403
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$56,889
−HK$1,507/mo
Today · 4.125%
HK$58,396
baseline
▲ 0.50% · 4.625%
HK$61,475
+HK$3,079/mo
Deposit HK$10.92M · loan HK$10.92M · min. income ≈ HK$116,792/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$928,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,761
−HK$3,748/mo
▼ 0.25% · 3.875%
HK$61,620
−HK$1,889/mo
Today · 4.125%
HK$63,509
baseline
▲ 0.50% · 4.625%
HK$67,373
+HK$3,864/mo
Deposit HK$8.74M · loan HK$13.10M · min. income ≈ HK$127,018/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$928,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,484
−HK$3,592/mo
▼ 0.25% · 3.875%
HK$68,267
−HK$1,809/mo
Today · 4.125%
HK$70,076
baseline
▲ 0.50% · 4.625%
HK$73,770
+HK$3,694/mo
Deposit HK$8.74M · loan HK$13.10M · min. income ≈ HK$140,152/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$928,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,721
−HK$4,373/mo
▼ 0.25% · 3.875%
HK$71,890
−HK$2,204/mo
Today · 4.125%
HK$74,094
baseline
▲ 0.50% · 4.625%
HK$78,602
+HK$4,508/mo
Deposit HK$6.55M · loan HK$15.29M · min. income ≈ HK$148,188/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$928,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,564
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$79,645
−HK$2,110/mo
Today · 4.125%
HK$81,755
baseline
▲ 0.50% · 4.625%
HK$86,064
+HK$4,309/mo
Deposit HK$6.55M · loan HK$15.29M · min. income ≈ HK$163,510/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$928,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,642
−HK$5,621/mo
▼ 0.25% · 3.875%
HK$92,430
−HK$2,833/mo
Today · 4.125%
HK$95,263
baseline
▲ 0.50% · 4.625%
HK$101,060
+HK$5,797/mo
Deposit HK$2.18M · loan HK$19.66M · min. income ≈ HK$190,526/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,726
−HK$5,388/mo
▼ 0.25% · 3.875%
HK$102,400
−HK$2,714/mo
Today · 4.125%
HK$105,114
baseline
▲ 0.50% · 4.625%
HK$110,654
+HK$5,540/mo
Deposit HK$2.18M · loan HK$19.66M · min. income ≈ HK$210,228/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,205 · Scale 2, in force from 26 Feb 2026)