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$49,771
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$51,319
−HK$1,573/mo
Today · 4.125%
HK$52,892
baseline
▲ 0.50% · 4.625%
HK$56,110
+HK$3,218/mo
Deposit HK$10.91M · loan HK$10.91M · min. income ≈ HK$105,784/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$927,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,369
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$56,854
−HK$1,507/mo
Today · 4.125%
HK$58,361
baseline
▲ 0.50% · 4.625%
HK$61,437
+HK$3,076/mo
Deposit HK$10.91M · loan HK$10.91M · min. income ≈ HK$116,722/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$927,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,725
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$61,583
−HK$1,887/mo
Today · 4.125%
HK$63,470
baseline
▲ 0.50% · 4.625%
HK$67,332
+HK$3,862/mo
Deposit HK$8.73M · loan HK$13.10M · min. income ≈ HK$126,940/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$927,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,443
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$68,225
−HK$1,808/mo
Today · 4.125%
HK$70,033
baseline
▲ 0.50% · 4.625%
HK$73,724
+HK$3,691/mo
Deposit HK$8.73M · loan HK$13.10M · min. income ≈ HK$140,066/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$927,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,679
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$71,846
−HK$2,202/mo
Today · 4.125%
HK$74,048
baseline
▲ 0.50% · 4.625%
HK$78,554
+HK$4,506/mo
Deposit HK$6.55M · loan HK$15.28M · min. income ≈ HK$148,096/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$927,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,517
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$79,596
−HK$2,109/mo
Today · 4.125%
HK$81,705
baseline
▲ 0.50% · 4.625%
HK$86,012
+HK$4,307/mo
Deposit HK$6.55M · loan HK$15.28M · min. income ≈ HK$163,410/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$927,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,587
−HK$5,618/mo
▼ 0.25% · 3.875%
HK$92,374
−HK$2,831/mo
Today · 4.125%
HK$95,205
baseline
▲ 0.50% · 4.625%
HK$100,998
+HK$5,793/mo
Deposit HK$2.18M · loan HK$19.64M · min. income ≈ HK$190,410/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$927,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,665
−HK$5,384/mo
▼ 0.25% · 3.875%
HK$102,338
−HK$2,711/mo
Today · 4.125%
HK$105,049
baseline
▲ 0.50% · 4.625%
HK$110,587
+HK$5,538/mo
Deposit HK$2.18M · loan HK$19.64M · min. income ≈ HK$210,098/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$927,638 · Scale 2, in force from 26 Feb 2026)