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$49,734
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$51,281
−HK$1,572/mo
Today · 4.125%
HK$52,853
baseline
▲ 0.50% · 4.625%
HK$56,069
+HK$3,216/mo
Deposit HK$10.91M · loan HK$10.91M · min. income ≈ HK$105,706/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$926,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,329
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$56,813
−HK$1,505/mo
Today · 4.125%
HK$58,318
baseline
▲ 0.50% · 4.625%
HK$61,392
+HK$3,074/mo
Deposit HK$10.91M · loan HK$10.91M · min. income ≈ HK$116,636/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$926,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,681
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$61,538
−HK$1,886/mo
Today · 4.125%
HK$63,424
baseline
▲ 0.50% · 4.625%
HK$67,283
+HK$3,859/mo
Deposit HK$8.72M · loan HK$13.09M · min. income ≈ HK$126,848/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$926,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,395
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$68,175
−HK$1,807/mo
Today · 4.125%
HK$69,982
baseline
▲ 0.50% · 4.625%
HK$73,671
+HK$3,689/mo
Deposit HK$8.72M · loan HK$13.09M · min. income ≈ HK$139,964/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$926,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,628
−HK$4,366/mo
▼ 0.25% · 3.875%
HK$71,794
−HK$2,200/mo
Today · 4.125%
HK$73,994
baseline
▲ 0.50% · 4.625%
HK$78,497
+HK$4,503/mo
Deposit HK$6.54M · loan HK$15.27M · min. income ≈ HK$147,988/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$926,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,460
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$79,538
−HK$2,107/mo
Today · 4.125%
HK$81,645
baseline
▲ 0.50% · 4.625%
HK$85,949
+HK$4,304/mo
Deposit HK$6.54M · loan HK$15.27M · min. income ≈ HK$163,290/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$926,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,522
−HK$5,613/mo
▼ 0.25% · 3.875%
HK$92,306
−HK$2,829/mo
Today · 4.125%
HK$95,135
baseline
▲ 0.50% · 4.625%
HK$100,924
+HK$5,789/mo
Deposit HK$2.18M · loan HK$19.63M · min. income ≈ HK$190,270/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$926,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,592
−HK$5,381/mo
▼ 0.25% · 3.875%
HK$102,263
−HK$2,710/mo
Today · 4.125%
HK$104,973
baseline
▲ 0.50% · 4.625%
HK$110,506
+HK$5,533/mo
Deposit HK$2.18M · loan HK$19.63M · min. income ≈ HK$209,946/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$926,960 · Scale 2, in force from 26 Feb 2026)