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$49,729
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$51,275
−HK$1,572/mo
Today · 4.125%
HK$52,847
baseline
▲ 0.50% · 4.625%
HK$56,063
+HK$3,216/mo
Deposit HK$10.90M · loan HK$10.90M · min. income ≈ HK$105,694/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$926,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,323
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$56,806
−HK$1,505/mo
Today · 4.125%
HK$58,311
baseline
▲ 0.50% · 4.625%
HK$61,385
+HK$3,074/mo
Deposit HK$10.90M · loan HK$10.90M · min. income ≈ HK$116,622/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$926,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,674
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$61,531
−HK$1,885/mo
Today · 4.125%
HK$63,416
baseline
▲ 0.50% · 4.625%
HK$67,275
+HK$3,859/mo
Deposit HK$8.72M · loan HK$13.09M · min. income ≈ HK$126,832/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$926,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,387
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$68,168
−HK$1,806/mo
Today · 4.125%
HK$69,974
baseline
▲ 0.50% · 4.625%
HK$73,662
+HK$3,688/mo
Deposit HK$8.72M · loan HK$13.09M · min. income ≈ HK$139,948/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$926,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,620
−HK$4,366/mo
▼ 0.25% · 3.875%
HK$71,786
−HK$2,200/mo
Today · 4.125%
HK$73,986
baseline
▲ 0.50% · 4.625%
HK$78,488
+HK$4,502/mo
Deposit HK$6.54M · loan HK$15.27M · min. income ≈ HK$147,972/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$926,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,452
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$79,529
−HK$2,107/mo
Today · 4.125%
HK$81,636
baseline
▲ 0.50% · 4.625%
HK$85,939
+HK$4,303/mo
Deposit HK$6.54M · loan HK$15.27M · min. income ≈ HK$163,272/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$926,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,512
−HK$5,613/mo
▼ 0.25% · 3.875%
HK$92,296
−HK$2,829/mo
Today · 4.125%
HK$95,125
baseline
▲ 0.50% · 4.625%
HK$100,913
+HK$5,788/mo
Deposit HK$2.18M · loan HK$19.63M · min. income ≈ HK$190,250/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$926,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,581
−HK$5,380/mo
▼ 0.25% · 3.875%
HK$102,251
−HK$2,710/mo
Today · 4.125%
HK$104,961
baseline
▲ 0.50% · 4.625%
HK$110,493
+HK$5,532/mo
Deposit HK$2.18M · loan HK$19.63M · min. income ≈ HK$209,922/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$926,855 · Scale 2, in force from 26 Feb 2026)