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$49,693
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$51,239
−HK$1,571/mo
Today · 4.125%
HK$52,810
baseline
▲ 0.50% · 4.625%
HK$56,023
+HK$3,213/mo
Deposit HK$10.90M · loan HK$10.90M · min. income ≈ HK$105,620/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$926,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,283
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$56,766
−HK$1,504/mo
Today · 4.125%
HK$58,270
baseline
▲ 0.50% · 4.625%
HK$61,342
+HK$3,072/mo
Deposit HK$10.90M · loan HK$10.90M · min. income ≈ HK$116,540/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$926,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,632
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$61,487
−HK$1,884/mo
Today · 4.125%
HK$63,371
baseline
▲ 0.50% · 4.625%
HK$67,227
+HK$3,856/mo
Deposit HK$8.72M · loan HK$13.08M · min. income ≈ HK$126,742/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$926,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,340
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$68,119
−HK$1,805/mo
Today · 4.125%
HK$69,924
baseline
▲ 0.50% · 4.625%
HK$73,610
+HK$3,686/mo
Deposit HK$8.72M · loan HK$13.08M · min. income ≈ HK$139,848/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$926,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,571
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$71,735
−HK$2,198/mo
Today · 4.125%
HK$73,933
baseline
▲ 0.50% · 4.625%
HK$78,432
+HK$4,499/mo
Deposit HK$6.54M · loan HK$15.26M · min. income ≈ HK$147,866/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$926,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,397
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$79,472
−HK$2,106/mo
Today · 4.125%
HK$81,578
baseline
▲ 0.50% · 4.625%
HK$85,878
+HK$4,300/mo
Deposit HK$6.54M · loan HK$15.26M · min. income ≈ HK$163,156/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$926,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,448
−HK$5,609/mo
▼ 0.25% · 3.875%
HK$92,230
−HK$2,827/mo
Today · 4.125%
HK$95,057
baseline
▲ 0.50% · 4.625%
HK$100,841
+HK$5,784/mo
Deposit HK$2.18M · loan HK$19.61M · min. income ≈ HK$190,114/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$926,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,510
−HK$5,376/mo
▼ 0.25% · 3.875%
HK$102,179
−HK$2,707/mo
Today · 4.125%
HK$104,886
baseline
▲ 0.50% · 4.625%
HK$110,415
+HK$5,529/mo
Deposit HK$2.18M · loan HK$19.61M · min. income ≈ HK$209,772/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$926,197 · Scale 2, in force from 26 Feb 2026)