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$49,804
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$51,353
−HK$1,574/mo
Today · 4.125%
HK$52,927
baseline
▲ 0.50% · 4.625%
HK$56,147
+HK$3,220/mo
Deposit HK$10.92M · loan HK$10.92M · min. income ≈ HK$105,854/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$928,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,406
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$56,892
−HK$1,508/mo
Today · 4.125%
HK$58,400
baseline
▲ 0.50% · 4.625%
HK$61,478
+HK$3,078/mo
Deposit HK$10.92M · loan HK$10.92M · min. income ≈ HK$116,800/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$928,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,765
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$61,624
−HK$1,888/mo
Today · 4.125%
HK$63,512
baseline
▲ 0.50% · 4.625%
HK$67,377
+HK$3,865/mo
Deposit HK$8.74M · loan HK$13.10M · min. income ≈ HK$127,024/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$928,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,487
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$68,271
−HK$1,809/mo
Today · 4.125%
HK$70,080
baseline
▲ 0.50% · 4.625%
HK$73,774
+HK$3,694/mo
Deposit HK$8.74M · loan HK$13.10M · min. income ≈ HK$140,160/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$928,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,725
−HK$4,373/mo
▼ 0.25% · 3.875%
HK$71,894
−HK$2,204/mo
Today · 4.125%
HK$74,098
baseline
▲ 0.50% · 4.625%
HK$78,606
+HK$4,508/mo
Deposit HK$6.55M · loan HK$15.29M · min. income ≈ HK$148,196/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$928,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,569
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$79,649
−HK$2,110/mo
Today · 4.125%
HK$81,759
baseline
▲ 0.50% · 4.625%
HK$86,069
+HK$4,310/mo
Deposit HK$6.55M · loan HK$15.29M · min. income ≈ HK$163,518/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$928,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,647
−HK$5,621/mo
▼ 0.25% · 3.875%
HK$92,435
−HK$2,833/mo
Today · 4.125%
HK$95,268
baseline
▲ 0.50% · 4.625%
HK$101,065
+HK$5,797/mo
Deposit HK$2.18M · loan HK$19.66M · min. income ≈ HK$190,536/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,731
−HK$5,388/mo
▼ 0.25% · 3.875%
HK$102,406
−HK$2,713/mo
Today · 4.125%
HK$105,119
baseline
▲ 0.50% · 4.625%
HK$110,660
+HK$5,541/mo
Deposit HK$2.18M · loan HK$19.66M · min. income ≈ HK$210,238/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,256 · Scale 2, in force from 26 Feb 2026)