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$49,784
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$51,332
−HK$1,574/mo
Today · 4.125%
HK$52,906
baseline
▲ 0.50% · 4.625%
HK$56,125
+HK$3,219/mo
Deposit HK$10.92M · loan HK$10.92M · min. income ≈ HK$105,812/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$927,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,384
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$56,869
−HK$1,507/mo
Today · 4.125%
HK$58,376
baseline
▲ 0.50% · 4.625%
HK$61,453
+HK$3,077/mo
Deposit HK$10.92M · loan HK$10.92M · min. income ≈ HK$116,752/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$927,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,741
−HK$3,746/mo
▼ 0.25% · 3.875%
HK$61,599
−HK$1,888/mo
Today · 4.125%
HK$63,487
baseline
▲ 0.50% · 4.625%
HK$67,350
+HK$3,863/mo
Deposit HK$8.73M · loan HK$13.10M · min. income ≈ HK$126,974/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$927,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,461
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$68,243
−HK$1,809/mo
Today · 4.125%
HK$70,052
baseline
▲ 0.50% · 4.625%
HK$73,744
+HK$3,692/mo
Deposit HK$8.73M · loan HK$13.10M · min. income ≈ HK$140,104/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$927,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,697
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$71,865
−HK$2,203/mo
Today · 4.125%
HK$74,068
baseline
▲ 0.50% · 4.625%
HK$78,575
+HK$4,507/mo
Deposit HK$6.55M · loan HK$15.28M · min. income ≈ HK$148,136/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$927,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,538
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$79,617
−HK$2,110/mo
Today · 4.125%
HK$81,727
baseline
▲ 0.50% · 4.625%
HK$86,035
+HK$4,308/mo
Deposit HK$6.55M · loan HK$15.28M · min. income ≈ HK$163,454/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$927,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,611
−HK$5,619/mo
▼ 0.25% · 3.875%
HK$92,398
−HK$2,832/mo
Today · 4.125%
HK$95,230
baseline
▲ 0.50% · 4.625%
HK$101,025
+HK$5,795/mo
Deposit HK$2.18M · loan HK$19.65M · min. income ≈ HK$190,460/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$927,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,691
−HK$5,386/mo
▼ 0.25% · 3.875%
HK$102,365
−HK$2,712/mo
Today · 4.125%
HK$105,077
baseline
▲ 0.50% · 4.625%
HK$110,616
+HK$5,539/mo
Deposit HK$2.18M · loan HK$19.65M · min. income ≈ HK$210,154/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$927,885 · Scale 2, in force from 26 Feb 2026)