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$49,742
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$51,290
−HK$1,572/mo
Today · 4.125%
HK$52,862
baseline
▲ 0.50% · 4.625%
HK$56,078
+HK$3,216/mo
Deposit HK$10.91M · loan HK$10.91M · min. income ≈ HK$105,724/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$927,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,338
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$56,822
−HK$1,506/mo
Today · 4.125%
HK$58,328
baseline
▲ 0.50% · 4.625%
HK$61,402
+HK$3,074/mo
Deposit HK$10.91M · loan HK$10.91M · min. income ≈ HK$116,656/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$927,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,691
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$61,548
−HK$1,886/mo
Today · 4.125%
HK$63,434
baseline
▲ 0.50% · 4.625%
HK$67,294
+HK$3,860/mo
Deposit HK$8.73M · loan HK$13.09M · min. income ≈ HK$126,868/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$927,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,406
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$68,187
−HK$1,806/mo
Today · 4.125%
HK$69,993
baseline
▲ 0.50% · 4.625%
HK$73,683
+HK$3,690/mo
Deposit HK$8.73M · loan HK$13.09M · min. income ≈ HK$139,986/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$927,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,639
−HK$4,367/mo
▼ 0.25% · 3.875%
HK$71,806
−HK$2,200/mo
Today · 4.125%
HK$74,006
baseline
▲ 0.50% · 4.625%
HK$78,510
+HK$4,504/mo
Deposit HK$6.54M · loan HK$15.27M · min. income ≈ HK$148,012/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$927,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,473
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$79,551
−HK$2,108/mo
Today · 4.125%
HK$81,659
baseline
▲ 0.50% · 4.625%
HK$85,963
+HK$4,304/mo
Deposit HK$6.54M · loan HK$15.27M · min. income ≈ HK$163,318/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$927,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,536
−HK$5,615/mo
▼ 0.25% · 3.875%
HK$92,322
−HK$2,829/mo
Today · 4.125%
HK$95,151
baseline
▲ 0.50% · 4.625%
HK$100,941
+HK$5,790/mo
Deposit HK$2.18M · loan HK$19.63M · min. income ≈ HK$190,302/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$927,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,608
−HK$5,382/mo
▼ 0.25% · 3.875%
HK$102,280
−HK$2,710/mo
Today · 4.125%
HK$104,990
baseline
▲ 0.50% · 4.625%
HK$110,524
+HK$5,534/mo
Deposit HK$2.18M · loan HK$19.63M · min. income ≈ HK$209,980/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$927,113 · Scale 2, in force from 26 Feb 2026)