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$49,789
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$51,337
−HK$1,574/mo
Today · 4.125%
HK$52,911
baseline
▲ 0.50% · 4.625%
HK$56,130
+HK$3,219/mo
Deposit HK$10.92M · loan HK$10.92M · min. income ≈ HK$105,822/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$927,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,389
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$56,875
−HK$1,507/mo
Today · 4.125%
HK$58,382
baseline
▲ 0.50% · 4.625%
HK$61,459
+HK$3,077/mo
Deposit HK$10.92M · loan HK$10.92M · min. income ≈ HK$116,764/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$927,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,747
−HK$3,746/mo
▼ 0.25% · 3.875%
HK$61,605
−HK$1,888/mo
Today · 4.125%
HK$63,493
baseline
▲ 0.50% · 4.625%
HK$67,357
+HK$3,864/mo
Deposit HK$8.73M · loan HK$13.10M · min. income ≈ HK$126,986/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$927,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,467
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$68,250
−HK$1,808/mo
Today · 4.125%
HK$70,058
baseline
▲ 0.50% · 4.625%
HK$73,751
+HK$3,693/mo
Deposit HK$8.73M · loan HK$13.10M · min. income ≈ HK$140,116/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$927,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,704
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$71,872
−HK$2,203/mo
Today · 4.125%
HK$74,075
baseline
▲ 0.50% · 4.625%
HK$78,583
+HK$4,508/mo
Deposit HK$6.55M · loan HK$15.28M · min. income ≈ HK$148,150/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$927,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,545
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$79,625
−HK$2,110/mo
Today · 4.125%
HK$81,735
baseline
▲ 0.50% · 4.625%
HK$86,043
+HK$4,308/mo
Deposit HK$6.55M · loan HK$15.28M · min. income ≈ HK$163,470/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$927,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,620
−HK$5,620/mo
▼ 0.25% · 3.875%
HK$92,407
−HK$2,833/mo
Today · 4.125%
HK$95,240
baseline
▲ 0.50% · 4.625%
HK$101,035
+HK$5,795/mo
Deposit HK$2.18M · loan HK$19.65M · min. income ≈ HK$190,480/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$927,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,701
−HK$5,387/mo
▼ 0.25% · 3.875%
HK$102,375
−HK$2,713/mo
Today · 4.125%
HK$105,088
baseline
▲ 0.50% · 4.625%
HK$110,627
+HK$5,539/mo
Deposit HK$2.18M · loan HK$19.65M · min. income ≈ HK$210,176/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$927,976 · Scale 2, in force from 26 Feb 2026)