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$49,754
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$51,301
−HK$1,573/mo
Today · 4.125%
HK$52,874
baseline
▲ 0.50% · 4.625%
HK$56,091
+HK$3,217/mo
Deposit HK$10.91M · loan HK$10.91M · min. income ≈ HK$105,748/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$927,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,350
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$56,835
−HK$1,506/mo
Today · 4.125%
HK$58,341
baseline
▲ 0.50% · 4.625%
HK$61,416
+HK$3,075/mo
Deposit HK$10.91M · loan HK$10.91M · min. income ≈ HK$116,682/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$927,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,704
−HK$3,744/mo
▼ 0.25% · 3.875%
HK$61,561
−HK$1,887/mo
Today · 4.125%
HK$63,448
baseline
▲ 0.50% · 4.625%
HK$67,309
+HK$3,861/mo
Deposit HK$8.73M · loan HK$13.09M · min. income ≈ HK$126,896/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$927,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,420
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$68,202
−HK$1,807/mo
Today · 4.125%
HK$70,009
baseline
▲ 0.50% · 4.625%
HK$73,699
+HK$3,690/mo
Deposit HK$8.73M · loan HK$13.09M · min. income ≈ HK$140,018/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$927,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,655
−HK$4,368/mo
▼ 0.25% · 3.875%
HK$71,822
−HK$2,201/mo
Today · 4.125%
HK$74,023
baseline
▲ 0.50% · 4.625%
HK$78,527
+HK$4,504/mo
Deposit HK$6.55M · loan HK$15.27M · min. income ≈ HK$148,046/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$927,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,491
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$79,569
−HK$2,108/mo
Today · 4.125%
HK$81,677
baseline
▲ 0.50% · 4.625%
HK$85,982
+HK$4,305/mo
Deposit HK$6.55M · loan HK$15.27M · min. income ≈ HK$163,354/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$927,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,556
−HK$5,616/mo
▼ 0.25% · 3.875%
HK$92,342
−HK$2,830/mo
Today · 4.125%
HK$95,172
baseline
▲ 0.50% · 4.625%
HK$100,963
+HK$5,791/mo
Deposit HK$2.18M · loan HK$19.64M · min. income ≈ HK$190,344/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$927,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,631
−HK$5,382/mo
▼ 0.25% · 3.875%
HK$102,303
−HK$2,710/mo
Today · 4.125%
HK$105,013
baseline
▲ 0.50% · 4.625%
HK$110,549
+HK$5,536/mo
Deposit HK$2.18M · loan HK$19.64M · min. income ≈ HK$210,026/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$927,321 · Scale 2, in force from 26 Feb 2026)