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$49,810
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$51,359
−HK$1,574/mo
Today · 4.125%
HK$52,933
baseline
▲ 0.50% · 4.625%
HK$56,154
+HK$3,221/mo
Deposit HK$10.92M · loan HK$10.92M · min. income ≈ HK$105,866/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$928,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,413
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$56,899
−HK$1,508/mo
Today · 4.125%
HK$58,407
baseline
▲ 0.50% · 4.625%
HK$61,486
+HK$3,079/mo
Deposit HK$10.92M · loan HK$10.92M · min. income ≈ HK$116,814/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$928,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,772
−HK$3,748/mo
▼ 0.25% · 3.875%
HK$61,631
−HK$1,889/mo
Today · 4.125%
HK$63,520
baseline
▲ 0.50% · 4.625%
HK$67,385
+HK$3,865/mo
Deposit HK$8.74M · loan HK$13.11M · min. income ≈ HK$127,040/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$928,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,496
−HK$3,592/mo
▼ 0.25% · 3.875%
HK$68,279
−HK$1,809/mo
Today · 4.125%
HK$70,088
baseline
▲ 0.50% · 4.625%
HK$73,783
+HK$3,695/mo
Deposit HK$8.74M · loan HK$13.11M · min. income ≈ HK$140,176/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$928,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,734
−HK$4,373/mo
▼ 0.25% · 3.875%
HK$71,903
−HK$2,204/mo
Today · 4.125%
HK$74,107
baseline
▲ 0.50% · 4.625%
HK$78,616
+HK$4,509/mo
Deposit HK$6.55M · loan HK$15.29M · min. income ≈ HK$148,214/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$928,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,578
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$79,659
−HK$2,111/mo
Today · 4.125%
HK$81,770
baseline
▲ 0.50% · 4.625%
HK$86,080
+HK$4,310/mo
Deposit HK$6.55M · loan HK$15.29M · min. income ≈ HK$163,540/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$928,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,658
−HK$5,622/mo
▼ 0.25% · 3.875%
HK$92,447
−HK$2,833/mo
Today · 4.125%
HK$95,280
baseline
▲ 0.50% · 4.625%
HK$101,078
+HK$5,798/mo
Deposit HK$2.18M · loan HK$19.66M · min. income ≈ HK$190,560/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,744
−HK$5,388/mo
▼ 0.25% · 3.875%
HK$102,419
−HK$2,713/mo
Today · 4.125%
HK$105,132
baseline
▲ 0.50% · 4.625%
HK$110,674
+HK$5,542/mo
Deposit HK$2.18M · loan HK$19.66M · min. income ≈ HK$210,264/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,371 · Scale 2, in force from 26 Feb 2026)