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$49,775
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$51,323
−HK$1,573/mo
Today · 4.125%
HK$52,896
baseline
▲ 0.50% · 4.625%
HK$56,115
+HK$3,219/mo
Deposit HK$10.91M · loan HK$10.91M · min. income ≈ HK$105,792/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$927,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,374
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$56,859
−HK$1,507/mo
Today · 4.125%
HK$58,366
baseline
▲ 0.50% · 4.625%
HK$61,442
+HK$3,076/mo
Deposit HK$10.91M · loan HK$10.91M · min. income ≈ HK$116,732/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$927,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,730
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$61,588
−HK$1,887/mo
Today · 4.125%
HK$63,475
baseline
▲ 0.50% · 4.625%
HK$67,338
+HK$3,863/mo
Deposit HK$8.73M · loan HK$13.10M · min. income ≈ HK$126,950/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$927,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,449
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$68,231
−HK$1,808/mo
Today · 4.125%
HK$70,039
baseline
▲ 0.50% · 4.625%
HK$73,731
+HK$3,692/mo
Deposit HK$8.73M · loan HK$13.10M · min. income ≈ HK$140,078/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$927,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,685
−HK$4,370/mo
▼ 0.25% · 3.875%
HK$71,852
−HK$2,203/mo
Today · 4.125%
HK$74,055
baseline
▲ 0.50% · 4.625%
HK$78,561
+HK$4,506/mo
Deposit HK$6.55M · loan HK$15.28M · min. income ≈ HK$148,110/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$927,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,524
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$79,603
−HK$2,109/mo
Today · 4.125%
HK$81,712
baseline
▲ 0.50% · 4.625%
HK$86,019
+HK$4,307/mo
Deposit HK$6.55M · loan HK$15.28M · min. income ≈ HK$163,424/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$927,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,595
−HK$5,618/mo
▼ 0.25% · 3.875%
HK$92,382
−HK$2,831/mo
Today · 4.125%
HK$95,213
baseline
▲ 0.50% · 4.625%
HK$101,007
+HK$5,794/mo
Deposit HK$2.18M · loan HK$19.65M · min. income ≈ HK$190,426/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$927,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,673
−HK$5,385/mo
▼ 0.25% · 3.875%
HK$102,347
−HK$2,711/mo
Today · 4.125%
HK$105,058
baseline
▲ 0.50% · 4.625%
HK$110,596
+HK$5,538/mo
Deposit HK$2.18M · loan HK$19.65M · min. income ≈ HK$210,116/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$927,718 · Scale 2, in force from 26 Feb 2026)