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$49,764
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$51,312
−HK$1,573/mo
Today · 4.125%
HK$52,885
baseline
▲ 0.50% · 4.625%
HK$56,103
+HK$3,218/mo
Deposit HK$10.91M · loan HK$10.91M · min. income ≈ HK$105,770/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$927,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,362
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$56,847
−HK$1,506/mo
Today · 4.125%
HK$58,353
baseline
▲ 0.50% · 4.625%
HK$61,429
+HK$3,076/mo
Deposit HK$10.91M · loan HK$10.91M · min. income ≈ HK$116,706/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$927,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,717
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$61,575
−HK$1,887/mo
Today · 4.125%
HK$63,462
baseline
▲ 0.50% · 4.625%
HK$67,324
+HK$3,862/mo
Deposit HK$8.73M · loan HK$13.09M · min. income ≈ HK$126,924/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$927,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,435
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$68,217
−HK$1,807/mo
Today · 4.125%
HK$70,024
baseline
▲ 0.50% · 4.625%
HK$73,715
+HK$3,691/mo
Deposit HK$8.73M · loan HK$13.09M · min. income ≈ HK$140,048/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$927,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,670
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$71,837
−HK$2,202/mo
Today · 4.125%
HK$74,039
baseline
▲ 0.50% · 4.625%
HK$78,544
+HK$4,505/mo
Deposit HK$6.55M · loan HK$15.28M · min. income ≈ HK$148,078/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$927,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,507
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$79,586
−HK$2,109/mo
Today · 4.125%
HK$81,695
baseline
▲ 0.50% · 4.625%
HK$86,001
+HK$4,306/mo
Deposit HK$6.55M · loan HK$15.28M · min. income ≈ HK$163,390/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$927,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,576
−HK$5,617/mo
▼ 0.25% · 3.875%
HK$92,362
−HK$2,831/mo
Today · 4.125%
HK$95,193
baseline
▲ 0.50% · 4.625%
HK$100,985
+HK$5,792/mo
Deposit HK$2.18M · loan HK$19.64M · min. income ≈ HK$190,386/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$927,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,652
−HK$5,384/mo
▼ 0.25% · 3.875%
HK$102,325
−HK$2,711/mo
Today · 4.125%
HK$105,036
baseline
▲ 0.50% · 4.625%
HK$110,573
+HK$5,537/mo
Deposit HK$2.18M · loan HK$19.64M · min. income ≈ HK$210,072/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$927,522 · Scale 2, in force from 26 Feb 2026)