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$49,756
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$51,304
−HK$1,572/mo
Today · 4.125%
HK$52,876
baseline
▲ 0.50% · 4.625%
HK$56,094
+HK$3,218/mo
Deposit HK$10.91M · loan HK$10.91M · min. income ≈ HK$105,752/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$927,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,353
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$56,838
−HK$1,506/mo
Today · 4.125%
HK$58,344
baseline
▲ 0.50% · 4.625%
HK$61,419
+HK$3,075/mo
Deposit HK$10.91M · loan HK$10.91M · min. income ≈ HK$116,688/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$927,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,707
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$61,565
−HK$1,887/mo
Today · 4.125%
HK$63,452
baseline
▲ 0.50% · 4.625%
HK$67,312
+HK$3,860/mo
Deposit HK$8.73M · loan HK$13.09M · min. income ≈ HK$126,904/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$927,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,424
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$68,205
−HK$1,808/mo
Today · 4.125%
HK$70,013
baseline
▲ 0.50% · 4.625%
HK$73,703
+HK$3,690/mo
Deposit HK$8.73M · loan HK$13.09M · min. income ≈ HK$140,026/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$927,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,659
−HK$4,368/mo
▼ 0.25% · 3.875%
HK$71,825
−HK$2,202/mo
Today · 4.125%
HK$74,027
baseline
▲ 0.50% · 4.625%
HK$78,531
+HK$4,504/mo
Deposit HK$6.55M · loan HK$15.27M · min. income ≈ HK$148,054/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$927,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,495
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$79,573
−HK$2,108/mo
Today · 4.125%
HK$81,681
baseline
▲ 0.50% · 4.625%
HK$85,987
+HK$4,306/mo
Deposit HK$6.55M · loan HK$15.27M · min. income ≈ HK$163,362/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$927,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,561
−HK$5,616/mo
▼ 0.25% · 3.875%
HK$92,347
−HK$2,830/mo
Today · 4.125%
HK$95,177
baseline
▲ 0.50% · 4.625%
HK$100,969
+HK$5,792/mo
Deposit HK$2.18M · loan HK$19.64M · min. income ≈ HK$190,354/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$927,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,636
−HK$5,383/mo
▼ 0.25% · 3.875%
HK$102,308
−HK$2,711/mo
Today · 4.125%
HK$105,019
baseline
▲ 0.50% · 4.625%
HK$110,554
+HK$5,535/mo
Deposit HK$2.18M · loan HK$19.64M · min. income ≈ HK$210,038/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$927,368 · Scale 2, in force from 26 Feb 2026)