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$49,715
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$51,262
−HK$1,571/mo
Today · 4.125%
HK$52,833
baseline
▲ 0.50% · 4.625%
HK$56,048
+HK$3,215/mo
Deposit HK$10.90M · loan HK$10.90M · min. income ≈ HK$105,666/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$926,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,308
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$56,791
−HK$1,505/mo
Today · 4.125%
HK$58,296
baseline
▲ 0.50% · 4.625%
HK$61,369
+HK$3,073/mo
Deposit HK$10.90M · loan HK$10.90M · min. income ≈ HK$116,592/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$926,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,659
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$61,514
−HK$1,886/mo
Today · 4.125%
HK$63,400
baseline
▲ 0.50% · 4.625%
HK$67,257
+HK$3,857/mo
Deposit HK$8.72M · loan HK$13.08M · min. income ≈ HK$126,800/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$926,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,370
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$68,150
−HK$1,805/mo
Today · 4.125%
HK$69,955
baseline
▲ 0.50% · 4.625%
HK$73,643
+HK$3,688/mo
Deposit HK$8.72M · loan HK$13.08M · min. income ≈ HK$139,910/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$926,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,602
−HK$4,364/mo
▼ 0.25% · 3.875%
HK$71,767
−HK$2,199/mo
Today · 4.125%
HK$73,966
baseline
▲ 0.50% · 4.625%
HK$78,467
+HK$4,501/mo
Deposit HK$6.54M · loan HK$15.26M · min. income ≈ HK$147,932/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$926,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,431
−HK$4,183/mo
▼ 0.25% · 3.875%
HK$79,508
−HK$2,106/mo
Today · 4.125%
HK$81,614
baseline
▲ 0.50% · 4.625%
HK$85,916
+HK$4,302/mo
Deposit HK$6.54M · loan HK$15.26M · min. income ≈ HK$163,228/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$926,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,488
−HK$5,611/mo
▼ 0.25% · 3.875%
HK$92,271
−HK$2,828/mo
Today · 4.125%
HK$95,099
baseline
▲ 0.50% · 4.625%
HK$100,886
+HK$5,787/mo
Deposit HK$2.18M · loan HK$19.62M · min. income ≈ HK$190,198/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$926,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,554
−HK$5,379/mo
▼ 0.25% · 3.875%
HK$102,224
−HK$2,709/mo
Today · 4.125%
HK$104,933
baseline
▲ 0.50% · 4.625%
HK$110,464
+HK$5,531/mo
Deposit HK$2.18M · loan HK$19.62M · min. income ≈ HK$209,866/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$926,610 · Scale 2, in force from 26 Feb 2026)