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$49,800
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$51,349
−HK$1,574/mo
Today · 4.125%
HK$52,923
baseline
▲ 0.50% · 4.625%
HK$56,143
+HK$3,220/mo
Deposit HK$10.92M · loan HK$10.92M · min. income ≈ HK$105,846/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$928,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,402
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$56,888
−HK$1,508/mo
Today · 4.125%
HK$58,396
baseline
▲ 0.50% · 4.625%
HK$61,474
+HK$3,078/mo
Deposit HK$10.92M · loan HK$10.92M · min. income ≈ HK$116,792/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$928,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,760
−HK$3,748/mo
▼ 0.25% · 3.875%
HK$61,619
−HK$1,889/mo
Today · 4.125%
HK$63,508
baseline
▲ 0.50% · 4.625%
HK$67,372
+HK$3,864/mo
Deposit HK$8.74M · loan HK$13.10M · min. income ≈ HK$127,016/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$928,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,483
−HK$3,592/mo
▼ 0.25% · 3.875%
HK$68,266
−HK$1,809/mo
Today · 4.125%
HK$70,075
baseline
▲ 0.50% · 4.625%
HK$73,768
+HK$3,693/mo
Deposit HK$8.74M · loan HK$13.10M · min. income ≈ HK$140,150/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$928,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,720
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$71,889
−HK$2,203/mo
Today · 4.125%
HK$74,092
baseline
▲ 0.50% · 4.625%
HK$78,601
+HK$4,509/mo
Deposit HK$6.55M · loan HK$15.29M · min. income ≈ HK$148,184/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$928,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,563
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$79,643
−HK$2,111/mo
Today · 4.125%
HK$81,754
baseline
▲ 0.50% · 4.625%
HK$86,063
+HK$4,309/mo
Deposit HK$6.55M · loan HK$15.29M · min. income ≈ HK$163,508/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$928,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,641
−HK$5,621/mo
▼ 0.25% · 3.875%
HK$92,429
−HK$2,833/mo
Today · 4.125%
HK$95,262
baseline
▲ 0.50% · 4.625%
HK$101,058
+HK$5,796/mo
Deposit HK$2.18M · loan HK$19.66M · min. income ≈ HK$190,524/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,724
−HK$5,388/mo
▼ 0.25% · 3.875%
HK$102,399
−HK$2,713/mo
Today · 4.125%
HK$105,112
baseline
▲ 0.50% · 4.625%
HK$110,653
+HK$5,541/mo
Deposit HK$2.18M · loan HK$19.66M · min. income ≈ HK$210,224/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,191 · Scale 2, in force from 26 Feb 2026)