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$49,785
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$51,333
−HK$1,574/mo
Today · 4.125%
HK$52,907
baseline
▲ 0.50% · 4.625%
HK$56,126
+HK$3,219/mo
Deposit HK$10.92M · loan HK$10.92M · min. income ≈ HK$105,814/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$927,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,385
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$56,870
−HK$1,507/mo
Today · 4.125%
HK$58,377
baseline
▲ 0.50% · 4.625%
HK$61,454
+HK$3,077/mo
Deposit HK$10.92M · loan HK$10.92M · min. income ≈ HK$116,754/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$927,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,742
−HK$3,746/mo
▼ 0.25% · 3.875%
HK$61,600
−HK$1,888/mo
Today · 4.125%
HK$63,488
baseline
▲ 0.50% · 4.625%
HK$67,351
+HK$3,863/mo
Deposit HK$8.73M · loan HK$13.10M · min. income ≈ HK$126,976/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$927,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,462
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$68,244
−HK$1,809/mo
Today · 4.125%
HK$70,053
baseline
▲ 0.50% · 4.625%
HK$73,745
+HK$3,692/mo
Deposit HK$8.73M · loan HK$13.10M · min. income ≈ HK$140,106/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$927,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,699
−HK$4,370/mo
▼ 0.25% · 3.875%
HK$71,867
−HK$2,202/mo
Today · 4.125%
HK$74,069
baseline
▲ 0.50% · 4.625%
HK$78,576
+HK$4,507/mo
Deposit HK$6.55M · loan HK$15.28M · min. income ≈ HK$148,138/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$927,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,539
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$79,619
−HK$2,109/mo
Today · 4.125%
HK$81,728
baseline
▲ 0.50% · 4.625%
HK$86,036
+HK$4,308/mo
Deposit HK$6.55M · loan HK$15.28M · min. income ≈ HK$163,456/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$927,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,613
−HK$5,619/mo
▼ 0.25% · 3.875%
HK$92,400
−HK$2,832/mo
Today · 4.125%
HK$95,232
baseline
▲ 0.50% · 4.625%
HK$101,027
+HK$5,795/mo
Deposit HK$2.18M · loan HK$19.65M · min. income ≈ HK$190,464/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$927,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,693
−HK$5,386/mo
▼ 0.25% · 3.875%
HK$102,367
−HK$2,712/mo
Today · 4.125%
HK$105,079
baseline
▲ 0.50% · 4.625%
HK$110,618
+HK$5,539/mo
Deposit HK$2.18M · loan HK$19.65M · min. income ≈ HK$210,158/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$927,901 · Scale 2, in force from 26 Feb 2026)