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$49,716
−HK$3,118/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$926,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,309
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$56,792
−HK$1,505/mo
Today · 4.125%
HK$58,297
baseline
▲ 0.50% · 4.625%
HK$61,370
+HK$3,073/mo
Deposit HK$10.90M · loan HK$10.90M · min. income ≈ HK$116,594/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$926,629 · 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$926,629 · 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$73,644
+HK$3,687/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$926,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,603
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$71,768
−HK$2,200/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$926,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,433
−HK$4,183/mo
▼ 0.25% · 3.875%
HK$79,509
−HK$2,107/mo
Today · 4.125%
HK$81,616
baseline
▲ 0.50% · 4.625%
HK$85,918
+HK$4,302/mo
Deposit HK$6.54M · loan HK$15.26M · min. income ≈ HK$163,232/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$926,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,490
−HK$5,611/mo
▼ 0.25% · 3.875%
HK$92,273
−HK$2,828/mo
Today · 4.125%
HK$95,101
baseline
▲ 0.50% · 4.625%
HK$100,888
+HK$5,787/mo
Deposit HK$2.18M · loan HK$19.62M · min. income ≈ HK$190,202/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$926,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,556
−HK$5,379/mo
▼ 0.25% · 3.875%
HK$102,226
−HK$2,709/mo
Today · 4.125%
HK$104,935
baseline
▲ 0.50% · 4.625%
HK$110,466
+HK$5,531/mo
Deposit HK$2.18M · loan HK$19.62M · min. income ≈ HK$209,870/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$926,629 · Scale 2, in force from 26 Feb 2026)