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$49,726
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$51,273
−HK$1,572/mo
Today · 4.125%
HK$52,845
baseline
▲ 0.50% · 4.625%
HK$56,060
+HK$3,215/mo
Deposit HK$10.90M · loan HK$10.90M · min. income ≈ HK$105,690/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$926,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,320
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$56,804
−HK$1,505/mo
Today · 4.125%
HK$58,309
baseline
▲ 0.50% · 4.625%
HK$61,382
+HK$3,073/mo
Deposit HK$10.90M · loan HK$10.90M · min. income ≈ HK$116,618/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$926,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,672
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$61,528
−HK$1,886/mo
Today · 4.125%
HK$63,414
baseline
▲ 0.50% · 4.625%
HK$67,272
+HK$3,858/mo
Deposit HK$8.72M · loan HK$13.08M · min. income ≈ HK$126,828/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$926,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,384
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$68,164
−HK$1,807/mo
Today · 4.125%
HK$69,971
baseline
▲ 0.50% · 4.625%
HK$73,659
+HK$3,688/mo
Deposit HK$8.72M · loan HK$13.08M · min. income ≈ HK$139,942/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$926,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,617
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$71,782
−HK$2,200/mo
Today · 4.125%
HK$73,982
baseline
▲ 0.50% · 4.625%
HK$78,484
+HK$4,502/mo
Deposit HK$6.54M · loan HK$15.27M · min. income ≈ HK$147,964/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$926,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,448
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$79,525
−HK$2,107/mo
Today · 4.125%
HK$81,632
baseline
▲ 0.50% · 4.625%
HK$85,935
+HK$4,303/mo
Deposit HK$6.54M · loan HK$15.27M · min. income ≈ HK$163,264/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$926,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,507
−HK$5,613/mo
▼ 0.25% · 3.875%
HK$92,292
−HK$2,828/mo
Today · 4.125%
HK$95,120
baseline
▲ 0.50% · 4.625%
HK$100,908
+HK$5,788/mo
Deposit HK$2.18M · loan HK$19.63M · min. income ≈ HK$190,240/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$926,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,576
−HK$5,380/mo
▼ 0.25% · 3.875%
HK$102,247
−HK$2,709/mo
Today · 4.125%
HK$104,956
baseline
▲ 0.50% · 4.625%
HK$110,488
+HK$5,532/mo
Deposit HK$2.18M · loan HK$19.63M · min. income ≈ HK$209,912/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$926,813 · Scale 2, in force from 26 Feb 2026)