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$49,719
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$51,265
−HK$1,572/mo
Today · 4.125%
HK$52,837
baseline
▲ 0.50% · 4.625%
HK$56,052
+HK$3,215/mo
Deposit HK$10.90M · loan HK$10.90M · min. income ≈ HK$105,674/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$926,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,312
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$56,795
−HK$1,505/mo
Today · 4.125%
HK$58,300
baseline
▲ 0.50% · 4.625%
HK$61,373
+HK$3,073/mo
Deposit HK$10.90M · loan HK$10.90M · min. income ≈ HK$116,600/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$926,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,663
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$61,519
−HK$1,885/mo
Today · 4.125%
HK$63,404
baseline
▲ 0.50% · 4.625%
HK$67,262
+HK$3,858/mo
Deposit HK$8.72M · loan HK$13.08M · min. income ≈ HK$126,808/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$926,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,374
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$68,154
−HK$1,806/mo
Today · 4.125%
HK$69,960
baseline
▲ 0.50% · 4.625%
HK$73,648
+HK$3,688/mo
Deposit HK$8.72M · loan HK$13.08M · min. income ≈ HK$139,920/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$926,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,606
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$71,772
−HK$2,199/mo
Today · 4.125%
HK$73,971
baseline
▲ 0.50% · 4.625%
HK$78,472
+HK$4,501/mo
Deposit HK$6.54M · loan HK$15.26M · min. income ≈ HK$147,942/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$926,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,437
−HK$4,183/mo
▼ 0.25% · 3.875%
HK$79,513
−HK$2,107/mo
Today · 4.125%
HK$81,620
baseline
▲ 0.50% · 4.625%
HK$85,922
+HK$4,302/mo
Deposit HK$6.54M · loan HK$15.26M · min. income ≈ HK$163,240/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$926,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,494
−HK$5,612/mo
▼ 0.25% · 3.875%
HK$92,278
−HK$2,828/mo
Today · 4.125%
HK$95,106
baseline
▲ 0.50% · 4.625%
HK$100,893
+HK$5,787/mo
Deposit HK$2.18M · loan HK$19.62M · min. income ≈ HK$190,212/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$926,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,561
−HK$5,379/mo
▼ 0.25% · 3.875%
HK$102,231
−HK$2,709/mo
Today · 4.125%
HK$104,940
baseline
▲ 0.50% · 4.625%
HK$110,472
+HK$5,532/mo
Deposit HK$2.18M · loan HK$19.62M · min. income ≈ HK$209,880/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$926,674 · Scale 2, in force from 26 Feb 2026)