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$49,786
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$51,335
−HK$1,573/mo
Today · 4.125%
HK$52,908
baseline
▲ 0.50% · 4.625%
HK$56,128
+HK$3,220/mo
Deposit HK$10.92M · loan HK$10.92M · min. income ≈ HK$105,816/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$927,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,387
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$56,872
−HK$1,507/mo
Today · 4.125%
HK$58,379
baseline
▲ 0.50% · 4.625%
HK$61,456
+HK$3,077/mo
Deposit HK$10.92M · loan HK$10.92M · min. income ≈ HK$116,758/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$927,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,744
−HK$3,746/mo
▼ 0.25% · 3.875%
HK$61,602
−HK$1,888/mo
Today · 4.125%
HK$63,490
baseline
▲ 0.50% · 4.625%
HK$67,353
+HK$3,863/mo
Deposit HK$8.73M · loan HK$13.10M · min. income ≈ HK$126,980/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$927,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,464
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$68,247
−HK$1,808/mo
Today · 4.125%
HK$70,055
baseline
▲ 0.50% · 4.625%
HK$73,748
+HK$3,693/mo
Deposit HK$8.73M · loan HK$13.10M · min. income ≈ HK$140,110/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$927,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,701
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$71,869
−HK$2,203/mo
Today · 4.125%
HK$74,072
baseline
▲ 0.50% · 4.625%
HK$78,579
+HK$4,507/mo
Deposit HK$6.55M · loan HK$15.28M · min. income ≈ HK$148,144/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$927,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,542
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$79,621
−HK$2,110/mo
Today · 4.125%
HK$81,731
baseline
▲ 0.50% · 4.625%
HK$86,039
+HK$4,308/mo
Deposit HK$6.55M · loan HK$15.28M · min. income ≈ HK$163,462/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$927,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,615
−HK$5,620/mo
▼ 0.25% · 3.875%
HK$92,403
−HK$2,832/mo
Today · 4.125%
HK$95,235
baseline
▲ 0.50% · 4.625%
HK$101,030
+HK$5,795/mo
Deposit HK$2.18M · loan HK$19.65M · min. income ≈ HK$190,470/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$927,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,696
−HK$5,387/mo
▼ 0.25% · 3.875%
HK$102,370
−HK$2,713/mo
Today · 4.125%
HK$105,083
baseline
▲ 0.50% · 4.625%
HK$110,622
+HK$5,539/mo
Deposit HK$2.18M · loan HK$19.65M · min. income ≈ HK$210,166/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$927,932 · Scale 2, in force from 26 Feb 2026)