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$49,743
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$51,290
−HK$1,573/mo
Today · 4.125%
HK$52,863
baseline
▲ 0.50% · 4.625%
HK$56,079
+HK$3,216/mo
Deposit HK$10.91M · loan HK$10.91M · min. income ≈ HK$105,726/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$927,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,339
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$56,823
−HK$1,506/mo
Today · 4.125%
HK$58,329
baseline
▲ 0.50% · 4.625%
HK$61,403
+HK$3,074/mo
Deposit HK$10.91M · loan HK$10.91M · min. income ≈ HK$116,658/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$927,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,692
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$61,549
−HK$1,886/mo
Today · 4.125%
HK$63,435
baseline
▲ 0.50% · 4.625%
HK$67,295
+HK$3,860/mo
Deposit HK$8.73M · loan HK$13.09M · min. income ≈ HK$126,870/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$927,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,407
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$68,188
−HK$1,806/mo
Today · 4.125%
HK$69,994
baseline
▲ 0.50% · 4.625%
HK$73,684
+HK$3,690/mo
Deposit HK$8.73M · loan HK$13.09M · min. income ≈ HK$139,988/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$927,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,640
−HK$4,368/mo
▼ 0.25% · 3.875%
HK$71,807
−HK$2,201/mo
Today · 4.125%
HK$74,008
baseline
▲ 0.50% · 4.625%
HK$78,511
+HK$4,503/mo
Deposit HK$6.54M · loan HK$15.27M · min. income ≈ HK$148,016/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$927,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,474
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$79,552
−HK$2,108/mo
Today · 4.125%
HK$81,660
baseline
▲ 0.50% · 4.625%
HK$85,964
+HK$4,304/mo
Deposit HK$6.54M · loan HK$15.27M · min. income ≈ HK$163,320/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$927,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,538
−HK$5,615/mo
▼ 0.25% · 3.875%
HK$92,323
−HK$2,830/mo
Today · 4.125%
HK$95,153
baseline
▲ 0.50% · 4.625%
HK$100,942
+HK$5,789/mo
Deposit HK$2.18M · loan HK$19.63M · min. income ≈ HK$190,306/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$927,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,610
−HK$5,381/mo
▼ 0.25% · 3.875%
HK$102,281
−HK$2,710/mo
Today · 4.125%
HK$104,991
baseline
▲ 0.50% · 4.625%
HK$110,526
+HK$5,535/mo
Deposit HK$2.18M · loan HK$19.63M · min. income ≈ HK$209,982/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$927,127 · Scale 2, in force from 26 Feb 2026)