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$49,774
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$51,322
−HK$1,573/mo
Today · 4.125%
HK$52,895
baseline
▲ 0.50% · 4.625%
HK$56,114
+HK$3,219/mo
Deposit HK$10.91M · loan HK$10.91M · min. income ≈ HK$105,790/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$927,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,373
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$56,858
−HK$1,507/mo
Today · 4.125%
HK$58,365
baseline
▲ 0.50% · 4.625%
HK$61,441
+HK$3,076/mo
Deposit HK$10.91M · loan HK$10.91M · min. income ≈ HK$116,730/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$927,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,729
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$61,587
−HK$1,887/mo
Today · 4.125%
HK$63,474
baseline
▲ 0.50% · 4.625%
HK$67,337
+HK$3,863/mo
Deposit HK$8.73M · loan HK$13.10M · min. income ≈ HK$126,948/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$927,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,448
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$68,230
−HK$1,808/mo
Today · 4.125%
HK$70,038
baseline
▲ 0.50% · 4.625%
HK$73,729
+HK$3,691/mo
Deposit HK$8.73M · loan HK$13.10M · min. income ≈ HK$140,076/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$927,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,684
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$71,851
−HK$2,202/mo
Today · 4.125%
HK$74,053
baseline
▲ 0.50% · 4.625%
HK$78,559
+HK$4,506/mo
Deposit HK$6.55M · loan HK$15.28M · min. income ≈ HK$148,106/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$927,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,522
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$79,601
−HK$2,110/mo
Today · 4.125%
HK$81,711
baseline
▲ 0.50% · 4.625%
HK$86,018
+HK$4,307/mo
Deposit HK$6.55M · loan HK$15.28M · min. income ≈ HK$163,422/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$927,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,593
−HK$5,619/mo
▼ 0.25% · 3.875%
HK$92,380
−HK$2,832/mo
Today · 4.125%
HK$95,212
baseline
▲ 0.50% · 4.625%
HK$101,005
+HK$5,793/mo
Deposit HK$2.18M · loan HK$19.65M · min. income ≈ HK$190,424/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$927,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,672
−HK$5,385/mo
▼ 0.25% · 3.875%
HK$102,345
−HK$2,712/mo
Today · 4.125%
HK$105,057
baseline
▲ 0.50% · 4.625%
HK$110,594
+HK$5,537/mo
Deposit HK$2.18M · loan HK$19.65M · min. income ≈ HK$210,114/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$927,702 · Scale 2, in force from 26 Feb 2026)