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$49,708
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$51,254
−HK$1,571/mo
Today · 4.125%
HK$52,825
baseline
▲ 0.50% · 4.625%
HK$56,039
+HK$3,214/mo
Deposit HK$10.90M · loan HK$10.90M · min. income ≈ HK$105,650/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$926,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,299
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$56,782
−HK$1,505/mo
Today · 4.125%
HK$58,287
baseline
▲ 0.50% · 4.625%
HK$61,359
+HK$3,072/mo
Deposit HK$10.90M · loan HK$10.90M · min. income ≈ HK$116,574/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$926,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,649
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$61,505
−HK$1,885/mo
Today · 4.125%
HK$63,390
baseline
▲ 0.50% · 4.625%
HK$67,247
+HK$3,857/mo
Deposit HK$8.72M · loan HK$13.08M · min. income ≈ HK$126,780/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$926,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,359
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$68,139
−HK$1,805/mo
Today · 4.125%
HK$69,944
baseline
▲ 0.50% · 4.625%
HK$73,631
+HK$3,687/mo
Deposit HK$8.72M · loan HK$13.08M · min. income ≈ HK$139,888/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$926,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,591
−HK$4,364/mo
▼ 0.25% · 3.875%
HK$71,755
−HK$2,200/mo
Today · 4.125%
HK$73,955
baseline
▲ 0.50% · 4.625%
HK$78,455
+HK$4,500/mo
Deposit HK$6.54M · loan HK$15.26M · min. income ≈ HK$147,910/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$926,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,419
−HK$4,183/mo
▼ 0.25% · 3.875%
HK$79,495
−HK$2,107/mo
Today · 4.125%
HK$81,602
baseline
▲ 0.50% · 4.625%
HK$85,903
+HK$4,301/mo
Deposit HK$6.54M · loan HK$15.26M · min. income ≈ HK$163,204/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$926,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,474
−HK$5,610/mo
▼ 0.25% · 3.875%
HK$92,257
−HK$2,827/mo
Today · 4.125%
HK$95,084
baseline
▲ 0.50% · 4.625%
HK$100,870
+HK$5,786/mo
Deposit HK$2.18M · loan HK$19.62M · min. income ≈ HK$190,168/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$926,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,539
−HK$5,377/mo
▼ 0.25% · 3.875%
HK$102,208
−HK$2,708/mo
Today · 4.125%
HK$104,916
baseline
▲ 0.50% · 4.625%
HK$110,447
+HK$5,531/mo
Deposit HK$2.18M · loan HK$19.62M · min. income ≈ HK$209,832/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$926,464 · Scale 2, in force from 26 Feb 2026)