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$49,725
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$51,271
−HK$1,572/mo
Today · 4.125%
HK$52,843
baseline
▲ 0.50% · 4.625%
HK$56,058
+HK$3,215/mo
Deposit HK$10.90M · loan HK$10.90M · min. income ≈ HK$105,686/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$926,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,318
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$56,802
−HK$1,505/mo
Today · 4.125%
HK$58,307
baseline
▲ 0.50% · 4.625%
HK$61,380
+HK$3,073/mo
Deposit HK$10.90M · loan HK$10.90M · min. income ≈ HK$116,614/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$926,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,669
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$61,525
−HK$1,886/mo
Today · 4.125%
HK$63,411
baseline
▲ 0.50% · 4.625%
HK$67,270
+HK$3,859/mo
Deposit HK$8.72M · loan HK$13.08M · min. income ≈ HK$126,822/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$926,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,382
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$68,162
−HK$1,806/mo
Today · 4.125%
HK$69,968
baseline
▲ 0.50% · 4.625%
HK$73,656
+HK$3,688/mo
Deposit HK$8.72M · loan HK$13.08M · min. income ≈ HK$139,936/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$926,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,614
−HK$4,366/mo
▼ 0.25% · 3.875%
HK$71,780
−HK$2,200/mo
Today · 4.125%
HK$73,980
baseline
▲ 0.50% · 4.625%
HK$78,481
+HK$4,501/mo
Deposit HK$6.54M · loan HK$15.26M · min. income ≈ HK$147,960/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$926,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,445
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$79,522
−HK$2,107/mo
Today · 4.125%
HK$81,629
baseline
▲ 0.50% · 4.625%
HK$85,932
+HK$4,303/mo
Deposit HK$6.54M · loan HK$15.26M · min. income ≈ HK$163,258/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$926,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,504
−HK$5,613/mo
▼ 0.25% · 3.875%
HK$92,288
−HK$2,829/mo
Today · 4.125%
HK$95,117
baseline
▲ 0.50% · 4.625%
HK$100,904
+HK$5,787/mo
Deposit HK$2.18M · loan HK$19.63M · min. income ≈ HK$190,234/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$926,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,572
−HK$5,380/mo
▼ 0.25% · 3.875%
HK$102,243
−HK$2,709/mo
Today · 4.125%
HK$104,952
baseline
▲ 0.50% · 4.625%
HK$110,484
+HK$5,532/mo
Deposit HK$2.18M · loan HK$19.63M · min. income ≈ HK$209,904/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$926,779 · Scale 2, in force from 26 Feb 2026)