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$49,738
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$51,285
−HK$1,572/mo
Today · 4.125%
HK$52,857
baseline
▲ 0.50% · 4.625%
HK$56,073
+HK$3,216/mo
Deposit HK$10.91M · loan HK$10.91M · min. income ≈ HK$105,714/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$927,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,333
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$56,817
−HK$1,505/mo
Today · 4.125%
HK$58,322
baseline
▲ 0.50% · 4.625%
HK$61,396
+HK$3,074/mo
Deposit HK$10.91M · loan HK$10.91M · min. income ≈ HK$116,644/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$927,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,685
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$61,542
−HK$1,886/mo
Today · 4.125%
HK$63,428
baseline
▲ 0.50% · 4.625%
HK$67,288
+HK$3,860/mo
Deposit HK$8.72M · loan HK$13.09M · min. income ≈ HK$126,856/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$927,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,399
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$68,180
−HK$1,807/mo
Today · 4.125%
HK$69,987
baseline
▲ 0.50% · 4.625%
HK$73,676
+HK$3,689/mo
Deposit HK$8.72M · loan HK$13.09M · min. income ≈ HK$139,974/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$927,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,633
−HK$4,367/mo
▼ 0.25% · 3.875%
HK$71,799
−HK$2,201/mo
Today · 4.125%
HK$74,000
baseline
▲ 0.50% · 4.625%
HK$78,502
+HK$4,502/mo
Deposit HK$6.54M · loan HK$15.27M · min. income ≈ HK$148,000/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$927,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,466
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$79,544
−HK$2,107/mo
Today · 4.125%
HK$81,651
baseline
▲ 0.50% · 4.625%
HK$85,955
+HK$4,304/mo
Deposit HK$6.54M · loan HK$15.27M · min. income ≈ HK$163,302/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$927,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,528
−HK$5,614/mo
▼ 0.25% · 3.875%
HK$92,313
−HK$2,829/mo
Today · 4.125%
HK$95,142
baseline
▲ 0.50% · 4.625%
HK$100,931
+HK$5,789/mo
Deposit HK$2.18M · loan HK$19.63M · min. income ≈ HK$190,284/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$927,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,599
−HK$5,381/mo
▼ 0.25% · 3.875%
HK$102,270
−HK$2,710/mo
Today · 4.125%
HK$104,980
baseline
▲ 0.50% · 4.625%
HK$110,514
+HK$5,534/mo
Deposit HK$2.18M · loan HK$19.63M · min. income ≈ HK$209,960/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$927,026 · Scale 2, in force from 26 Feb 2026)