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$49,772
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$51,320
−HK$1,573/mo
Today · 4.125%
HK$52,893
baseline
▲ 0.50% · 4.625%
HK$56,112
+HK$3,219/mo
Deposit HK$10.91M · loan HK$10.91M · min. income ≈ HK$105,786/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$927,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,371
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$56,856
−HK$1,507/mo
Today · 4.125%
HK$58,363
baseline
▲ 0.50% · 4.625%
HK$61,439
+HK$3,076/mo
Deposit HK$10.91M · loan HK$10.91M · min. income ≈ HK$116,726/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$927,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,727
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$61,584
−HK$1,888/mo
Today · 4.125%
HK$63,472
baseline
▲ 0.50% · 4.625%
HK$67,334
+HK$3,862/mo
Deposit HK$8.73M · loan HK$13.10M · min. income ≈ HK$126,944/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$927,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,445
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$68,227
−HK$1,808/mo
Today · 4.125%
HK$70,035
baseline
▲ 0.50% · 4.625%
HK$73,727
+HK$3,692/mo
Deposit HK$8.73M · loan HK$13.10M · min. income ≈ HK$140,070/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$927,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,681
−HK$4,370/mo
▼ 0.25% · 3.875%
HK$71,848
−HK$2,203/mo
Today · 4.125%
HK$74,051
baseline
▲ 0.50% · 4.625%
HK$78,556
+HK$4,505/mo
Deposit HK$6.55M · loan HK$15.28M · min. income ≈ HK$148,102/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$927,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,519
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$79,598
−HK$2,110/mo
Today · 4.125%
HK$81,708
baseline
▲ 0.50% · 4.625%
HK$86,014
+HK$4,306/mo
Deposit HK$6.55M · loan HK$15.28M · min. income ≈ HK$163,416/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$927,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,590
−HK$5,618/mo
▼ 0.25% · 3.875%
HK$92,377
−HK$2,831/mo
Today · 4.125%
HK$95,208
baseline
▲ 0.50% · 4.625%
HK$101,001
+HK$5,793/mo
Deposit HK$2.18M · loan HK$19.64M · min. income ≈ HK$190,416/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$927,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,668
−HK$5,385/mo
▼ 0.25% · 3.875%
HK$102,341
−HK$2,712/mo
Today · 4.125%
HK$105,053
baseline
▲ 0.50% · 4.625%
HK$110,590
+HK$5,537/mo
Deposit HK$2.18M · loan HK$19.64M · min. income ≈ HK$210,106/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$927,666 · Scale 2, in force from 26 Feb 2026)