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$49,763
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$51,311
−HK$1,573/mo
Today · 4.125%
HK$52,884
baseline
▲ 0.50% · 4.625%
HK$56,101
+HK$3,217/mo
Deposit HK$10.91M · loan HK$10.91M · min. income ≈ HK$105,768/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$927,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,361
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$56,846
−HK$1,506/mo
Today · 4.125%
HK$58,352
baseline
▲ 0.50% · 4.625%
HK$61,428
+HK$3,076/mo
Deposit HK$10.91M · loan HK$10.91M · min. income ≈ HK$116,704/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$927,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,716
−HK$3,744/mo
▼ 0.25% · 3.875%
HK$61,573
−HK$1,887/mo
Today · 4.125%
HK$63,460
baseline
▲ 0.50% · 4.625%
HK$67,322
+HK$3,862/mo
Deposit HK$8.73M · loan HK$13.09M · min. income ≈ HK$126,920/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$927,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,433
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$68,215
−HK$1,807/mo
Today · 4.125%
HK$70,022
baseline
▲ 0.50% · 4.625%
HK$73,713
+HK$3,691/mo
Deposit HK$8.73M · loan HK$13.09M · min. income ≈ HK$140,044/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$927,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,668
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$71,835
−HK$2,202/mo
Today · 4.125%
HK$74,037
baseline
▲ 0.50% · 4.625%
HK$78,542
+HK$4,505/mo
Deposit HK$6.55M · loan HK$15.28M · min. income ≈ HK$148,074/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$927,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,505
−HK$4,187/mo
▼ 0.25% · 3.875%
HK$79,584
−HK$2,108/mo
Today · 4.125%
HK$81,692
baseline
▲ 0.50% · 4.625%
HK$85,999
+HK$4,307/mo
Deposit HK$6.55M · loan HK$15.28M · min. income ≈ HK$163,384/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$927,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,573
−HK$5,617/mo
▼ 0.25% · 3.875%
HK$92,360
−HK$2,830/mo
Today · 4.125%
HK$95,190
baseline
▲ 0.50% · 4.625%
HK$100,982
+HK$5,792/mo
Deposit HK$2.18M · loan HK$19.64M · min. income ≈ HK$190,380/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$927,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,649
−HK$5,384/mo
▼ 0.25% · 3.875%
HK$102,322
−HK$2,711/mo
Today · 4.125%
HK$105,033
baseline
▲ 0.50% · 4.625%
HK$110,570
+HK$5,537/mo
Deposit HK$2.18M · loan HK$19.64M · min. income ≈ HK$210,066/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$927,495 · Scale 2, in force from 26 Feb 2026)