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$49,717
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$51,263
−HK$1,571/mo
Today · 4.125%
HK$52,834
baseline
▲ 0.50% · 4.625%
HK$56,049
+HK$3,215/mo
Deposit HK$10.90M · loan HK$10.90M · min. income ≈ HK$105,668/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$926,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,309
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$56,793
−HK$1,505/mo
Today · 4.125%
HK$58,298
baseline
▲ 0.50% · 4.625%
HK$61,371
+HK$3,073/mo
Deposit HK$10.90M · loan HK$10.90M · min. income ≈ HK$116,596/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$926,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,660
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$61,516
−HK$1,885/mo
Today · 4.125%
HK$63,401
baseline
▲ 0.50% · 4.625%
HK$67,259
+HK$3,858/mo
Deposit HK$8.72M · loan HK$13.08M · min. income ≈ HK$126,802/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$926,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,371
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$68,151
−HK$1,806/mo
Today · 4.125%
HK$69,957
baseline
▲ 0.50% · 4.625%
HK$73,645
+HK$3,688/mo
Deposit HK$8.72M · loan HK$13.08M · min. income ≈ HK$139,914/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$926,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,603
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$71,769
−HK$2,199/mo
Today · 4.125%
HK$73,968
baseline
▲ 0.50% · 4.625%
HK$78,469
+HK$4,501/mo
Deposit HK$6.54M · loan HK$15.26M · min. income ≈ HK$147,936/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$926,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,433
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$79,510
−HK$2,107/mo
Today · 4.125%
HK$81,617
baseline
▲ 0.50% · 4.625%
HK$85,919
+HK$4,302/mo
Deposit HK$6.54M · loan HK$15.26M · min. income ≈ HK$163,234/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$926,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,490
−HK$5,612/mo
▼ 0.25% · 3.875%
HK$92,274
−HK$2,828/mo
Today · 4.125%
HK$95,102
baseline
▲ 0.50% · 4.625%
HK$100,889
+HK$5,787/mo
Deposit HK$2.18M · loan HK$19.62M · min. income ≈ HK$190,204/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$926,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,557
−HK$5,379/mo
▼ 0.25% · 3.875%
HK$102,227
−HK$2,709/mo
Today · 4.125%
HK$104,936
baseline
▲ 0.50% · 4.625%
HK$110,467
+HK$5,531/mo
Deposit HK$2.18M · loan HK$19.62M · min. income ≈ HK$209,872/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$926,634 · Scale 2, in force from 26 Feb 2026)