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$49,796
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$51,345
−HK$1,574/mo
Today · 4.125%
HK$52,919
baseline
▲ 0.50% · 4.625%
HK$56,139
+HK$3,220/mo
Deposit HK$10.92M · loan HK$10.92M · min. income ≈ HK$105,838/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$928,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,398
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$56,884
−HK$1,507/mo
Today · 4.125%
HK$58,391
baseline
▲ 0.50% · 4.625%
HK$61,469
+HK$3,078/mo
Deposit HK$10.92M · loan HK$10.92M · min. income ≈ HK$116,782/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$928,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,756
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$61,614
−HK$1,889/mo
Today · 4.125%
HK$63,503
baseline
▲ 0.50% · 4.625%
HK$67,367
+HK$3,864/mo
Deposit HK$8.74M · loan HK$13.10M · min. income ≈ HK$127,006/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$928,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,478
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$68,260
−HK$1,809/mo
Today · 4.125%
HK$70,069
baseline
▲ 0.50% · 4.625%
HK$73,763
+HK$3,694/mo
Deposit HK$8.74M · loan HK$13.10M · min. income ≈ HK$140,138/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$928,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,715
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$71,883
−HK$2,204/mo
Today · 4.125%
HK$74,087
baseline
▲ 0.50% · 4.625%
HK$78,595
+HK$4,508/mo
Deposit HK$6.55M · loan HK$15.29M · min. income ≈ HK$148,174/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$928,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,557
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$79,637
−HK$2,110/mo
Today · 4.125%
HK$81,747
baseline
▲ 0.50% · 4.625%
HK$86,056
+HK$4,309/mo
Deposit HK$6.55M · loan HK$15.29M · min. income ≈ HK$163,494/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$928,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,633
−HK$5,621/mo
▼ 0.25% · 3.875%
HK$92,422
−HK$2,832/mo
Today · 4.125%
HK$95,254
baseline
▲ 0.50% · 4.625%
HK$101,050
+HK$5,796/mo
Deposit HK$2.18M · loan HK$19.65M · min. income ≈ HK$190,508/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,716
−HK$5,388/mo
▼ 0.25% · 3.875%
HK$102,391
−HK$2,713/mo
Today · 4.125%
HK$105,104
baseline
▲ 0.50% · 4.625%
HK$110,644
+HK$5,540/mo
Deposit HK$2.18M · loan HK$19.65M · min. income ≈ HK$210,208/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,118 · Scale 2, in force from 26 Feb 2026)