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$49,802
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$51,351
−HK$1,574/mo
Today · 4.125%
HK$52,925
baseline
▲ 0.50% · 4.625%
HK$56,145
+HK$3,220/mo
Deposit HK$10.92M · loan HK$10.92M · min. income ≈ HK$105,850/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$928,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,404
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$56,890
−HK$1,507/mo
Today · 4.125%
HK$58,397
baseline
▲ 0.50% · 4.625%
HK$61,475
+HK$3,078/mo
Deposit HK$10.92M · loan HK$10.92M · min. income ≈ HK$116,794/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$928,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,762
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$61,621
−HK$1,888/mo
Today · 4.125%
HK$63,509
baseline
▲ 0.50% · 4.625%
HK$67,374
+HK$3,865/mo
Deposit HK$8.74M · loan HK$13.10M · min. income ≈ HK$127,018/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$928,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,485
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$68,268
−HK$1,808/mo
Today · 4.125%
HK$70,076
baseline
▲ 0.50% · 4.625%
HK$73,770
+HK$3,694/mo
Deposit HK$8.74M · loan HK$13.10M · min. income ≈ HK$140,152/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$928,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,722
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$71,891
−HK$2,203/mo
Today · 4.125%
HK$74,094
baseline
▲ 0.50% · 4.625%
HK$78,603
+HK$4,509/mo
Deposit HK$6.55M · loan HK$15.29M · min. income ≈ HK$148,188/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$928,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,565
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$79,646
−HK$2,110/mo
Today · 4.125%
HK$81,756
baseline
▲ 0.50% · 4.625%
HK$86,065
+HK$4,309/mo
Deposit HK$6.55M · loan HK$15.29M · min. income ≈ HK$163,512/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$928,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,643
−HK$5,621/mo
▼ 0.25% · 3.875%
HK$92,431
−HK$2,833/mo
Today · 4.125%
HK$95,264
baseline
▲ 0.50% · 4.625%
HK$101,061
+HK$5,797/mo
Deposit HK$2.18M · loan HK$19.66M · min. income ≈ HK$190,528/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,727
−HK$5,388/mo
▼ 0.25% · 3.875%
HK$102,401
−HK$2,714/mo
Today · 4.125%
HK$105,115
baseline
▲ 0.50% · 4.625%
HK$110,655
+HK$5,540/mo
Deposit HK$2.18M · loan HK$19.66M · min. income ≈ HK$210,230/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,215 · Scale 2, in force from 26 Feb 2026)