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$49,699
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$51,245
−HK$1,570/mo
Today · 4.125%
HK$52,815
baseline
▲ 0.50% · 4.625%
HK$56,029
+HK$3,214/mo
Deposit HK$10.90M · loan HK$10.90M · min. income ≈ HK$105,630/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$926,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,289
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$56,772
−HK$1,504/mo
Today · 4.125%
HK$58,276
baseline
▲ 0.50% · 4.625%
HK$61,348
+HK$3,072/mo
Deposit HK$10.90M · loan HK$10.90M · min. income ≈ HK$116,552/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$926,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,638
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$61,494
−HK$1,884/mo
Today · 4.125%
HK$63,378
baseline
▲ 0.50% · 4.625%
HK$67,235
+HK$3,857/mo
Deposit HK$8.72M · loan HK$13.08M · min. income ≈ HK$126,756/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$926,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,347
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$68,127
−HK$1,805/mo
Today · 4.125%
HK$69,932
baseline
▲ 0.50% · 4.625%
HK$73,618
+HK$3,686/mo
Deposit HK$8.72M · loan HK$13.08M · min. income ≈ HK$139,864/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$926,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,578
−HK$4,363/mo
▼ 0.25% · 3.875%
HK$71,743
−HK$2,198/mo
Today · 4.125%
HK$73,941
baseline
▲ 0.50% · 4.625%
HK$78,441
+HK$4,500/mo
Deposit HK$6.54M · loan HK$15.26M · min. income ≈ HK$147,882/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$926,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,405
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$79,481
−HK$2,106/mo
Today · 4.125%
HK$81,587
baseline
▲ 0.50% · 4.625%
HK$85,888
+HK$4,301/mo
Deposit HK$6.54M · loan HK$15.26M · min. income ≈ HK$163,174/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$926,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,458
−HK$5,610/mo
▼ 0.25% · 3.875%
HK$92,240
−HK$2,828/mo
Today · 4.125%
HK$95,068
baseline
▲ 0.50% · 4.625%
HK$100,852
+HK$5,784/mo
Deposit HK$2.18M · loan HK$19.62M · min. income ≈ HK$190,136/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$926,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,521
−HK$5,377/mo
▼ 0.25% · 3.875%
HK$102,190
−HK$2,708/mo
Today · 4.125%
HK$104,898
baseline
▲ 0.50% · 4.625%
HK$110,427
+HK$5,529/mo
Deposit HK$2.18M · loan HK$19.62M · min. income ≈ HK$209,796/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$926,298 · Scale 2, in force from 26 Feb 2026)