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$49,770
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$51,318
−HK$1,573/mo
Today · 4.125%
HK$52,891
baseline
▲ 0.50% · 4.625%
HK$56,109
+HK$3,218/mo
Deposit HK$10.91M · loan HK$10.91M · min. income ≈ HK$105,782/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$927,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,368
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$56,853
−HK$1,507/mo
Today · 4.125%
HK$58,360
baseline
▲ 0.50% · 4.625%
HK$61,436
+HK$3,076/mo
Deposit HK$10.91M · loan HK$10.91M · min. income ≈ HK$116,720/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$927,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,724
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$61,582
−HK$1,887/mo
Today · 4.125%
HK$63,469
baseline
▲ 0.50% · 4.625%
HK$67,331
+HK$3,862/mo
Deposit HK$8.73M · loan HK$13.10M · min. income ≈ HK$126,938/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$927,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,442
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$68,224
−HK$1,808/mo
Today · 4.125%
HK$70,032
baseline
▲ 0.50% · 4.625%
HK$73,723
+HK$3,691/mo
Deposit HK$8.73M · loan HK$13.10M · min. income ≈ HK$140,064/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$927,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,678
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$71,845
−HK$2,202/mo
Today · 4.125%
HK$74,047
baseline
▲ 0.50% · 4.625%
HK$78,553
+HK$4,506/mo
Deposit HK$6.55M · loan HK$15.28M · min. income ≈ HK$148,094/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$927,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,516
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$79,595
−HK$2,109/mo
Today · 4.125%
HK$81,704
baseline
▲ 0.50% · 4.625%
HK$86,011
+HK$4,307/mo
Deposit HK$6.55M · loan HK$15.28M · min. income ≈ HK$163,408/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$927,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,586
−HK$5,618/mo
▼ 0.25% · 3.875%
HK$92,372
−HK$2,832/mo
Today · 4.125%
HK$95,204
baseline
▲ 0.50% · 4.625%
HK$100,996
+HK$5,792/mo
Deposit HK$2.18M · loan HK$19.64M · min. income ≈ HK$190,408/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$927,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,663
−HK$5,385/mo
▼ 0.25% · 3.875%
HK$102,336
−HK$2,712/mo
Today · 4.125%
HK$105,048
baseline
▲ 0.50% · 4.625%
HK$110,585
+HK$5,537/mo
Deposit HK$2.18M · loan HK$19.64M · min. income ≈ HK$210,096/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$927,624 · Scale 2, in force from 26 Feb 2026)