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$49,806
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$51,356
−HK$1,574/mo
Today · 4.125%
HK$52,930
baseline
▲ 0.50% · 4.625%
HK$56,150
+HK$3,220/mo
Deposit HK$10.92M · loan HK$10.92M · min. income ≈ HK$105,860/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$928,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,409
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$56,895
−HK$1,508/mo
Today · 4.125%
HK$58,403
baseline
▲ 0.50% · 4.625%
HK$61,481
+HK$3,078/mo
Deposit HK$10.92M · loan HK$10.92M · min. income ≈ HK$116,806/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$928,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,768
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$61,627
−HK$1,888/mo
Today · 4.125%
HK$63,515
baseline
▲ 0.50% · 4.625%
HK$67,380
+HK$3,865/mo
Deposit HK$8.74M · loan HK$13.11M · min. income ≈ HK$127,030/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$928,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,491
−HK$3,592/mo
▼ 0.25% · 3.875%
HK$68,274
−HK$1,809/mo
Today · 4.125%
HK$70,083
baseline
▲ 0.50% · 4.625%
HK$73,777
+HK$3,694/mo
Deposit HK$8.74M · loan HK$13.11M · min. income ≈ HK$140,166/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$928,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,729
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$71,898
−HK$2,203/mo
Today · 4.125%
HK$74,101
baseline
▲ 0.50% · 4.625%
HK$78,610
+HK$4,509/mo
Deposit HK$6.55M · loan HK$15.29M · min. income ≈ HK$148,202/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$928,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,573
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$79,653
−HK$2,111/mo
Today · 4.125%
HK$81,764
baseline
▲ 0.50% · 4.625%
HK$86,073
+HK$4,309/mo
Deposit HK$6.55M · loan HK$15.29M · min. income ≈ HK$163,528/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$928,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,651
−HK$5,622/mo
▼ 0.25% · 3.875%
HK$92,440
−HK$2,833/mo
Today · 4.125%
HK$95,273
baseline
▲ 0.50% · 4.625%
HK$101,070
+HK$5,797/mo
Deposit HK$2.18M · loan HK$19.66M · min. income ≈ HK$190,546/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,736
−HK$5,389/mo
▼ 0.25% · 3.875%
HK$102,411
−HK$2,714/mo
Today · 4.125%
HK$105,125
baseline
▲ 0.50% · 4.625%
HK$110,666
+HK$5,541/mo
Deposit HK$2.18M · loan HK$19.66M · min. income ≈ HK$210,250/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,303 · Scale 2, in force from 26 Feb 2026)