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$49,767
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$51,315
−HK$1,573/mo
Today · 4.125%
HK$52,888
baseline
▲ 0.50% · 4.625%
HK$56,106
+HK$3,218/mo
Deposit HK$10.91M · loan HK$10.91M · min. income ≈ HK$105,776/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$927,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,365
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$56,850
−HK$1,507/mo
Today · 4.125%
HK$58,357
baseline
▲ 0.50% · 4.625%
HK$61,433
+HK$3,076/mo
Deposit HK$10.91M · loan HK$10.91M · min. income ≈ HK$116,714/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$927,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,721
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$61,578
−HK$1,888/mo
Today · 4.125%
HK$63,466
baseline
▲ 0.50% · 4.625%
HK$67,327
+HK$3,861/mo
Deposit HK$8.73M · loan HK$13.10M · min. income ≈ HK$126,932/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$927,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,438
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$68,220
−HK$1,808/mo
Today · 4.125%
HK$70,028
baseline
▲ 0.50% · 4.625%
HK$73,719
+HK$3,691/mo
Deposit HK$8.73M · loan HK$13.10M · min. income ≈ HK$140,056/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$927,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,674
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$71,841
−HK$2,202/mo
Today · 4.125%
HK$74,043
baseline
▲ 0.50% · 4.625%
HK$78,548
+HK$4,505/mo
Deposit HK$6.55M · loan HK$15.28M · min. income ≈ HK$148,086/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$927,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,512
−HK$4,187/mo
▼ 0.25% · 3.875%
HK$79,590
−HK$2,109/mo
Today · 4.125%
HK$81,699
baseline
▲ 0.50% · 4.625%
HK$86,006
+HK$4,307/mo
Deposit HK$6.55M · loan HK$15.28M · min. income ≈ HK$163,398/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$927,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,581
−HK$5,617/mo
▼ 0.25% · 3.875%
HK$92,367
−HK$2,831/mo
Today · 4.125%
HK$95,198
baseline
▲ 0.50% · 4.625%
HK$100,991
+HK$5,793/mo
Deposit HK$2.18M · loan HK$19.64M · min. income ≈ HK$190,396/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$927,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,658
−HK$5,384/mo
▼ 0.25% · 3.875%
HK$102,330
−HK$2,712/mo
Today · 4.125%
HK$105,042
baseline
▲ 0.50% · 4.625%
HK$110,579
+HK$5,537/mo
Deposit HK$2.18M · loan HK$19.64M · min. income ≈ HK$210,084/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$927,572 · Scale 2, in force from 26 Feb 2026)