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$49,795
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$51,344
−HK$1,574/mo
Today · 4.125%
HK$52,918
baseline
▲ 0.50% · 4.625%
HK$56,137
+HK$3,219/mo
Deposit HK$10.92M · loan HK$10.92M · min. income ≈ HK$105,836/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$928,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,396
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$56,882
−HK$1,507/mo
Today · 4.125%
HK$58,389
baseline
▲ 0.50% · 4.625%
HK$61,467
+HK$3,078/mo
Deposit HK$10.92M · loan HK$10.92M · min. income ≈ HK$116,778/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$928,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,754
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$61,613
−HK$1,888/mo
Today · 4.125%
HK$63,501
baseline
▲ 0.50% · 4.625%
HK$67,365
+HK$3,864/mo
Deposit HK$8.73M · loan HK$13.10M · min. income ≈ HK$127,002/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$928,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,476
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$68,258
−HK$1,809/mo
Today · 4.125%
HK$70,067
baseline
▲ 0.50% · 4.625%
HK$73,760
+HK$3,693/mo
Deposit HK$8.73M · loan HK$13.10M · min. income ≈ HK$140,134/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$928,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,713
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$71,881
−HK$2,204/mo
Today · 4.125%
HK$74,085
baseline
▲ 0.50% · 4.625%
HK$78,592
+HK$4,507/mo
Deposit HK$6.55M · loan HK$15.29M · min. income ≈ HK$148,170/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$928,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,555
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$79,635
−HK$2,110/mo
Today · 4.125%
HK$81,745
baseline
▲ 0.50% · 4.625%
HK$86,054
+HK$4,309/mo
Deposit HK$6.55M · loan HK$15.29M · min. income ≈ HK$163,490/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$928,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,631
−HK$5,621/mo
▼ 0.25% · 3.875%
HK$92,419
−HK$2,833/mo
Today · 4.125%
HK$95,252
baseline
▲ 0.50% · 4.625%
HK$101,047
+HK$5,795/mo
Deposit HK$2.18M · loan HK$19.65M · min. income ≈ HK$190,504/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,713
−HK$5,388/mo
▼ 0.25% · 3.875%
HK$102,388
−HK$2,713/mo
Today · 4.125%
HK$105,101
baseline
▲ 0.50% · 4.625%
HK$110,641
+HK$5,540/mo
Deposit HK$2.18M · loan HK$19.65M · min. income ≈ HK$210,202/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,091 · Scale 2, in force from 26 Feb 2026)