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$49,807
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$51,357
−HK$1,574/mo
Today · 4.125%
HK$52,931
baseline
▲ 0.50% · 4.625%
HK$56,151
+HK$3,220/mo
Deposit HK$10.92M · loan HK$10.92M · min. income ≈ HK$105,862/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$928,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,410
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$56,896
−HK$1,508/mo
Today · 4.125%
HK$58,404
baseline
▲ 0.50% · 4.625%
HK$61,482
+HK$3,078/mo
Deposit HK$10.92M · loan HK$10.92M · min. income ≈ HK$116,808/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$928,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,769
−HK$3,748/mo
▼ 0.25% · 3.875%
HK$61,628
−HK$1,889/mo
Today · 4.125%
HK$63,517
baseline
▲ 0.50% · 4.625%
HK$67,382
+HK$3,865/mo
Deposit HK$8.74M · loan HK$13.11M · min. income ≈ HK$127,034/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$928,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,492
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$68,276
−HK$1,809/mo
Today · 4.125%
HK$70,085
baseline
▲ 0.50% · 4.625%
HK$73,779
+HK$3,694/mo
Deposit HK$8.74M · loan HK$13.11M · min. income ≈ HK$140,170/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$928,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,730
−HK$4,373/mo
▼ 0.25% · 3.875%
HK$71,899
−HK$2,204/mo
Today · 4.125%
HK$74,103
baseline
▲ 0.50% · 4.625%
HK$78,612
+HK$4,509/mo
Deposit HK$6.55M · loan HK$15.29M · min. income ≈ HK$148,206/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$928,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,574
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$79,655
−HK$2,110/mo
Today · 4.125%
HK$81,765
baseline
▲ 0.50% · 4.625%
HK$86,075
+HK$4,310/mo
Deposit HK$6.55M · loan HK$15.29M · min. income ≈ HK$163,530/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$928,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,653
−HK$5,622/mo
▼ 0.25% · 3.875%
HK$92,442
−HK$2,833/mo
Today · 4.125%
HK$95,275
baseline
▲ 0.50% · 4.625%
HK$101,073
+HK$5,798/mo
Deposit HK$2.18M · loan HK$19.66M · min. income ≈ HK$190,550/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,738
−HK$5,389/mo
▼ 0.25% · 3.875%
HK$102,413
−HK$2,714/mo
Today · 4.125%
HK$105,127
baseline
▲ 0.50% · 4.625%
HK$110,668
+HK$5,541/mo
Deposit HK$2.18M · loan HK$19.66M · min. income ≈ HK$210,254/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,323 · Scale 2, in force from 26 Feb 2026)