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$49,746
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$51,294
−HK$1,572/mo
Today · 4.125%
HK$52,866
baseline
▲ 0.50% · 4.625%
HK$56,083
+HK$3,217/mo
Deposit HK$10.91M · loan HK$10.91M · min. income ≈ HK$105,732/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$927,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,342
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$56,827
−HK$1,505/mo
Today · 4.125%
HK$58,332
baseline
▲ 0.50% · 4.625%
HK$61,407
+HK$3,075/mo
Deposit HK$10.91M · loan HK$10.91M · min. income ≈ HK$116,664/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$927,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,696
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$61,553
−HK$1,886/mo
Today · 4.125%
HK$63,439
baseline
▲ 0.50% · 4.625%
HK$67,299
+HK$3,860/mo
Deposit HK$8.73M · loan HK$13.09M · min. income ≈ HK$126,878/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$927,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,411
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$68,192
−HK$1,807/mo
Today · 4.125%
HK$69,999
baseline
▲ 0.50% · 4.625%
HK$73,688
+HK$3,689/mo
Deposit HK$8.73M · loan HK$13.09M · min. income ≈ HK$139,998/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$927,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,645
−HK$4,367/mo
▼ 0.25% · 3.875%
HK$71,811
−HK$2,201/mo
Today · 4.125%
HK$74,012
baseline
▲ 0.50% · 4.625%
HK$78,516
+HK$4,504/mo
Deposit HK$6.54M · loan HK$15.27M · min. income ≈ HK$148,024/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$927,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,479
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$79,557
−HK$2,108/mo
Today · 4.125%
HK$81,665
baseline
▲ 0.50% · 4.625%
HK$85,970
+HK$4,305/mo
Deposit HK$6.54M · loan HK$15.27M · min. income ≈ HK$163,330/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$927,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,543
−HK$5,616/mo
▼ 0.25% · 3.875%
HK$92,329
−HK$2,830/mo
Today · 4.125%
HK$95,159
baseline
▲ 0.50% · 4.625%
HK$100,949
+HK$5,790/mo
Deposit HK$2.18M · loan HK$19.63M · min. income ≈ HK$190,318/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$927,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,616
−HK$5,382/mo
▼ 0.25% · 3.875%
HK$102,288
−HK$2,710/mo
Today · 4.125%
HK$104,998
baseline
▲ 0.50% · 4.625%
HK$110,533
+HK$5,535/mo
Deposit HK$2.18M · loan HK$19.63M · min. income ≈ HK$209,996/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$927,186 · Scale 2, in force from 26 Feb 2026)