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$49,747
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$51,295
−HK$1,572/mo
Today · 4.125%
HK$52,867
baseline
▲ 0.50% · 4.625%
HK$56,084
+HK$3,217/mo
Deposit HK$10.91M · loan HK$10.91M · min. income ≈ HK$105,734/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$927,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,343
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$56,828
−HK$1,505/mo
Today · 4.125%
HK$58,333
baseline
▲ 0.50% · 4.625%
HK$61,408
+HK$3,075/mo
Deposit HK$10.91M · loan HK$10.91M · min. income ≈ HK$116,666/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$927,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,697
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$61,554
−HK$1,886/mo
Today · 4.125%
HK$63,440
baseline
▲ 0.50% · 4.625%
HK$67,301
+HK$3,861/mo
Deposit HK$8.73M · loan HK$13.09M · min. income ≈ HK$126,880/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$927,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,412
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$68,193
−HK$1,807/mo
Today · 4.125%
HK$70,000
baseline
▲ 0.50% · 4.625%
HK$73,690
+HK$3,690/mo
Deposit HK$8.73M · loan HK$13.09M · min. income ≈ HK$140,000/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$927,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,646
−HK$4,368/mo
▼ 0.25% · 3.875%
HK$71,813
−HK$2,201/mo
Today · 4.125%
HK$74,014
baseline
▲ 0.50% · 4.625%
HK$78,517
+HK$4,503/mo
Deposit HK$6.54M · loan HK$15.27M · min. income ≈ HK$148,028/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$927,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,481
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$79,559
−HK$2,108/mo
Today · 4.125%
HK$81,667
baseline
▲ 0.50% · 4.625%
HK$85,972
+HK$4,305/mo
Deposit HK$6.54M · loan HK$15.27M · min. income ≈ HK$163,334/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$927,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,545
−HK$5,616/mo
▼ 0.25% · 3.875%
HK$92,331
−HK$2,830/mo
Today · 4.125%
HK$95,161
baseline
▲ 0.50% · 4.625%
HK$100,951
+HK$5,790/mo
Deposit HK$2.18M · loan HK$19.63M · min. income ≈ HK$190,322/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$927,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,618
−HK$5,382/mo
▼ 0.25% · 3.875%
HK$102,290
−HK$2,710/mo
Today · 4.125%
HK$105,000
baseline
▲ 0.50% · 4.625%
HK$110,535
+HK$5,535/mo
Deposit HK$2.18M · loan HK$19.63M · min. income ≈ HK$210,000/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$927,205 · Scale 2, in force from 26 Feb 2026)