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$49,701
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$51,247
−HK$1,571/mo
Today · 4.125%
HK$52,818
baseline
▲ 0.50% · 4.625%
HK$56,032
+HK$3,214/mo
Deposit HK$10.90M · loan HK$10.90M · min. income ≈ HK$105,636/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$926,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,292
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$56,775
−HK$1,505/mo
Today · 4.125%
HK$58,280
baseline
▲ 0.50% · 4.625%
HK$61,351
+HK$3,071/mo
Deposit HK$10.90M · loan HK$10.90M · min. income ≈ HK$116,560/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$926,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,642
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$61,497
−HK$1,885/mo
Today · 4.125%
HK$63,382
baseline
▲ 0.50% · 4.625%
HK$67,238
+HK$3,856/mo
Deposit HK$8.72M · loan HK$13.08M · min. income ≈ HK$126,764/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$926,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,351
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$68,130
−HK$1,805/mo
Today · 4.125%
HK$69,935
baseline
▲ 0.50% · 4.625%
HK$73,622
+HK$3,687/mo
Deposit HK$8.72M · loan HK$13.08M · min. income ≈ HK$139,870/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$926,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,582
−HK$4,363/mo
▼ 0.25% · 3.875%
HK$71,746
−HK$2,199/mo
Today · 4.125%
HK$73,945
baseline
▲ 0.50% · 4.625%
HK$78,445
+HK$4,500/mo
Deposit HK$6.54M · loan HK$15.26M · min. income ≈ HK$147,890/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$926,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,409
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$79,485
−HK$2,106/mo
Today · 4.125%
HK$81,591
baseline
▲ 0.50% · 4.625%
HK$85,892
+HK$4,301/mo
Deposit HK$6.54M · loan HK$15.26M · min. income ≈ HK$163,182/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$926,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,462
−HK$5,610/mo
▼ 0.25% · 3.875%
HK$92,245
−HK$2,827/mo
Today · 4.125%
HK$95,072
baseline
▲ 0.50% · 4.625%
HK$100,857
+HK$5,785/mo
Deposit HK$2.18M · loan HK$19.62M · min. income ≈ HK$190,144/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$926,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,526
−HK$5,377/mo
▼ 0.25% · 3.875%
HK$102,195
−HK$2,708/mo
Today · 4.125%
HK$104,903
baseline
▲ 0.50% · 4.625%
HK$110,433
+HK$5,530/mo
Deposit HK$2.18M · loan HK$19.62M · min. income ≈ HK$209,806/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$926,347 · Scale 2, in force from 26 Feb 2026)