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$49,759
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$51,306
−HK$1,573/mo
Today · 4.125%
HK$52,879
baseline
▲ 0.50% · 4.625%
HK$56,097
+HK$3,218/mo
Deposit HK$10.91M · loan HK$10.91M · min. income ≈ HK$105,758/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$927,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,356
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$56,841
−HK$1,506/mo
Today · 4.125%
HK$58,347
baseline
▲ 0.50% · 4.625%
HK$61,422
+HK$3,075/mo
Deposit HK$10.91M · loan HK$10.91M · min. income ≈ HK$116,694/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$927,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,710
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$61,568
−HK$1,887/mo
Today · 4.125%
HK$63,455
baseline
▲ 0.50% · 4.625%
HK$67,316
+HK$3,861/mo
Deposit HK$8.73M · loan HK$13.09M · min. income ≈ HK$126,910/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$927,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,427
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$68,209
−HK$1,807/mo
Today · 4.125%
HK$70,016
baseline
▲ 0.50% · 4.625%
HK$73,707
+HK$3,691/mo
Deposit HK$8.73M · loan HK$13.09M · min. income ≈ HK$140,032/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$927,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,662
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$71,829
−HK$2,202/mo
Today · 4.125%
HK$74,031
baseline
▲ 0.50% · 4.625%
HK$78,535
+HK$4,504/mo
Deposit HK$6.55M · loan HK$15.28M · min. income ≈ HK$148,062/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$927,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,498
−HK$4,187/mo
▼ 0.25% · 3.875%
HK$79,577
−HK$2,108/mo
Today · 4.125%
HK$81,685
baseline
▲ 0.50% · 4.625%
HK$85,991
+HK$4,306/mo
Deposit HK$6.55M · loan HK$15.28M · min. income ≈ HK$163,370/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$927,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,566
−HK$5,616/mo
▼ 0.25% · 3.875%
HK$92,352
−HK$2,830/mo
Today · 4.125%
HK$95,182
baseline
▲ 0.50% · 4.625%
HK$100,974
+HK$5,792/mo
Deposit HK$2.18M · loan HK$19.64M · min. income ≈ HK$190,364/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$927,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,641
−HK$5,383/mo
▼ 0.25% · 3.875%
HK$102,313
−HK$2,711/mo
Today · 4.125%
HK$105,024
baseline
▲ 0.50% · 4.625%
HK$110,560
+HK$5,536/mo
Deposit HK$2.18M · loan HK$19.64M · min. income ≈ HK$210,048/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$927,415 · Scale 2, in force from 26 Feb 2026)