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$49,705
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$51,251
−HK$1,571/mo
Today · 4.125%
HK$52,822
baseline
▲ 0.50% · 4.625%
HK$56,036
+HK$3,214/mo
Deposit HK$10.90M · loan HK$10.90M · min. income ≈ HK$105,644/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$926,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,297
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$56,780
−HK$1,504/mo
Today · 4.125%
HK$58,284
baseline
▲ 0.50% · 4.625%
HK$61,356
+HK$3,072/mo
Deposit HK$10.90M · loan HK$10.90M · min. income ≈ HK$116,568/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$926,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,646
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$61,502
−HK$1,885/mo
Today · 4.125%
HK$63,387
baseline
▲ 0.50% · 4.625%
HK$67,244
+HK$3,857/mo
Deposit HK$8.72M · loan HK$13.08M · min. income ≈ HK$126,774/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$926,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,356
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$68,135
−HK$1,806/mo
Today · 4.125%
HK$69,941
baseline
▲ 0.50% · 4.625%
HK$73,628
+HK$3,687/mo
Deposit HK$8.72M · loan HK$13.08M · min. income ≈ HK$139,882/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$926,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,587
−HK$4,364/mo
▼ 0.25% · 3.875%
HK$71,752
−HK$2,199/mo
Today · 4.125%
HK$73,951
baseline
▲ 0.50% · 4.625%
HK$78,451
+HK$4,500/mo
Deposit HK$6.54M · loan HK$15.26M · min. income ≈ HK$147,902/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$926,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,415
−HK$4,183/mo
▼ 0.25% · 3.875%
HK$79,491
−HK$2,107/mo
Today · 4.125%
HK$81,598
baseline
▲ 0.50% · 4.625%
HK$85,899
+HK$4,301/mo
Deposit HK$6.54M · loan HK$15.26M · min. income ≈ HK$163,196/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$926,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,469
−HK$5,611/mo
▼ 0.25% · 3.875%
HK$92,252
−HK$2,828/mo
Today · 4.125%
HK$95,080
baseline
▲ 0.50% · 4.625%
HK$100,865
+HK$5,785/mo
Deposit HK$2.18M · loan HK$19.62M · min. income ≈ HK$190,160/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$926,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,534
−HK$5,377/mo
▼ 0.25% · 3.875%
HK$102,203
−HK$2,708/mo
Today · 4.125%
HK$104,911
baseline
▲ 0.50% · 4.625%
HK$110,441
+HK$5,530/mo
Deposit HK$2.18M · loan HK$19.62M · min. income ≈ HK$209,822/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$926,419 · Scale 2, in force from 26 Feb 2026)