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$49,769
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$51,317
−HK$1,573/mo
Today · 4.125%
HK$52,890
baseline
▲ 0.50% · 4.625%
HK$56,108
+HK$3,218/mo
Deposit HK$10.91M · loan HK$10.91M · min. income ≈ HK$105,780/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$927,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,367
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$56,852
−HK$1,507/mo
Today · 4.125%
HK$58,359
baseline
▲ 0.50% · 4.625%
HK$61,435
+HK$3,076/mo
Deposit HK$10.91M · loan HK$10.91M · min. income ≈ HK$116,718/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$927,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,723
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$61,580
−HK$1,888/mo
Today · 4.125%
HK$63,468
baseline
▲ 0.50% · 4.625%
HK$67,330
+HK$3,862/mo
Deposit HK$8.73M · loan HK$13.10M · min. income ≈ HK$126,936/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$927,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,441
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$68,223
−HK$1,808/mo
Today · 4.125%
HK$70,031
baseline
▲ 0.50% · 4.625%
HK$73,722
+HK$3,691/mo
Deposit HK$8.73M · loan HK$13.10M · min. income ≈ HK$140,062/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$927,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,677
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$71,844
−HK$2,202/mo
Today · 4.125%
HK$74,046
baseline
▲ 0.50% · 4.625%
HK$78,551
+HK$4,505/mo
Deposit HK$6.55M · loan HK$15.28M · min. income ≈ HK$148,092/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$927,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,514
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$79,593
−HK$2,109/mo
Today · 4.125%
HK$81,702
baseline
▲ 0.50% · 4.625%
HK$86,009
+HK$4,307/mo
Deposit HK$6.55M · loan HK$15.28M · min. income ≈ HK$163,404/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$927,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,584
−HK$5,618/mo
▼ 0.25% · 3.875%
HK$92,371
−HK$2,831/mo
Today · 4.125%
HK$95,202
baseline
▲ 0.50% · 4.625%
HK$100,995
+HK$5,793/mo
Deposit HK$2.18M · loan HK$19.64M · min. income ≈ HK$190,404/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$927,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,661
−HK$5,385/mo
▼ 0.25% · 3.875%
HK$102,334
−HK$2,712/mo
Today · 4.125%
HK$105,046
baseline
▲ 0.50% · 4.625%
HK$110,583
+HK$5,537/mo
Deposit HK$2.18M · loan HK$19.64M · min. income ≈ HK$210,092/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$927,606 · Scale 2, in force from 26 Feb 2026)