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$49,721
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$51,268
−HK$1,571/mo
Today · 4.125%
HK$52,839
baseline
▲ 0.50% · 4.625%
HK$56,055
+HK$3,216/mo
Deposit HK$10.90M · loan HK$10.90M · min. income ≈ HK$105,678/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$926,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,315
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$56,798
−HK$1,505/mo
Today · 4.125%
HK$58,303
baseline
▲ 0.50% · 4.625%
HK$61,376
+HK$3,073/mo
Deposit HK$10.90M · loan HK$10.90M · min. income ≈ HK$116,606/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$926,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,666
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$61,522
−HK$1,885/mo
Today · 4.125%
HK$63,407
baseline
▲ 0.50% · 4.625%
HK$67,265
+HK$3,858/mo
Deposit HK$8.72M · loan HK$13.08M · min. income ≈ HK$126,814/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$926,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,377
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$68,158
−HK$1,806/mo
Today · 4.125%
HK$69,964
baseline
▲ 0.50% · 4.625%
HK$73,651
+HK$3,687/mo
Deposit HK$8.72M · loan HK$13.08M · min. income ≈ HK$139,928/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$926,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,610
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$71,775
−HK$2,200/mo
Today · 4.125%
HK$73,975
baseline
▲ 0.50% · 4.625%
HK$78,476
+HK$4,501/mo
Deposit HK$6.54M · loan HK$15.26M · min. income ≈ HK$147,950/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$926,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,440
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$79,517
−HK$2,107/mo
Today · 4.125%
HK$81,624
baseline
▲ 0.50% · 4.625%
HK$85,927
+HK$4,303/mo
Deposit HK$6.54M · loan HK$15.26M · min. income ≈ HK$163,248/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$926,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,498
−HK$5,613/mo
▼ 0.25% · 3.875%
HK$92,282
−HK$2,829/mo
Today · 4.125%
HK$95,111
baseline
▲ 0.50% · 4.625%
HK$100,898
+HK$5,787/mo
Deposit HK$2.18M · loan HK$19.62M · min. income ≈ HK$190,222/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$926,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,566
−HK$5,379/mo
▼ 0.25% · 3.875%
HK$102,236
−HK$2,709/mo
Today · 4.125%
HK$104,945
baseline
▲ 0.50% · 4.625%
HK$110,477
+HK$5,532/mo
Deposit HK$2.18M · loan HK$19.62M · min. income ≈ HK$209,890/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$926,720 · Scale 2, in force from 26 Feb 2026)