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$49,754
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$51,302
−HK$1,572/mo
Today · 4.125%
HK$52,874
baseline
▲ 0.50% · 4.625%
HK$56,092
+HK$3,218/mo
Deposit HK$10.91M · loan HK$10.91M · min. income ≈ HK$105,748/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$927,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,351
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$56,836
−HK$1,506/mo
Today · 4.125%
HK$58,342
baseline
▲ 0.50% · 4.625%
HK$61,417
+HK$3,075/mo
Deposit HK$10.91M · loan HK$10.91M · min. income ≈ HK$116,684/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$927,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,705
−HK$3,744/mo
▼ 0.25% · 3.875%
HK$61,562
−HK$1,887/mo
Today · 4.125%
HK$63,449
baseline
▲ 0.50% · 4.625%
HK$67,310
+HK$3,861/mo
Deposit HK$8.73M · loan HK$13.09M · min. income ≈ HK$126,898/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$927,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,422
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$68,203
−HK$1,807/mo
Today · 4.125%
HK$70,010
baseline
▲ 0.50% · 4.625%
HK$73,700
+HK$3,690/mo
Deposit HK$8.73M · loan HK$13.09M · min. income ≈ HK$140,020/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$927,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,656
−HK$4,368/mo
▼ 0.25% · 3.875%
HK$71,823
−HK$2,201/mo
Today · 4.125%
HK$74,024
baseline
▲ 0.50% · 4.625%
HK$78,528
+HK$4,504/mo
Deposit HK$6.55M · loan HK$15.27M · min. income ≈ HK$148,048/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$927,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,492
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$79,570
−HK$2,108/mo
Today · 4.125%
HK$81,678
baseline
▲ 0.50% · 4.625%
HK$85,984
+HK$4,306/mo
Deposit HK$6.55M · loan HK$15.27M · min. income ≈ HK$163,356/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$927,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,558
−HK$5,616/mo
▼ 0.25% · 3.875%
HK$92,344
−HK$2,830/mo
Today · 4.125%
HK$95,174
baseline
▲ 0.50% · 4.625%
HK$100,965
+HK$5,791/mo
Deposit HK$2.18M · loan HK$19.64M · min. income ≈ HK$190,348/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$927,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,632
−HK$5,383/mo
▼ 0.25% · 3.875%
HK$102,304
−HK$2,711/mo
Today · 4.125%
HK$105,015
baseline
▲ 0.50% · 4.625%
HK$110,551
+HK$5,536/mo
Deposit HK$2.18M · loan HK$19.64M · min. income ≈ HK$210,030/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$927,336 · Scale 2, in force from 26 Feb 2026)