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$49,711
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$51,257
−HK$1,572/mo
Today · 4.125%
HK$52,829
baseline
▲ 0.50% · 4.625%
HK$56,043
+HK$3,214/mo
Deposit HK$10.90M · loan HK$10.90M · min. income ≈ HK$105,658/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$926,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,303
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$56,786
−HK$1,505/mo
Today · 4.125%
HK$58,291
baseline
▲ 0.50% · 4.625%
HK$61,364
+HK$3,073/mo
Deposit HK$10.90M · loan HK$10.90M · min. income ≈ HK$116,582/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$926,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,653
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$61,509
−HK$1,885/mo
Today · 4.125%
HK$63,394
baseline
▲ 0.50% · 4.625%
HK$67,252
+HK$3,858/mo
Deposit HK$8.72M · loan HK$13.08M · min. income ≈ HK$126,788/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$926,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,364
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$68,144
−HK$1,805/mo
Today · 4.125%
HK$69,949
baseline
▲ 0.50% · 4.625%
HK$73,636
+HK$3,687/mo
Deposit HK$8.72M · loan HK$13.08M · min. income ≈ HK$139,898/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$926,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,596
−HK$4,364/mo
▼ 0.25% · 3.875%
HK$71,760
−HK$2,200/mo
Today · 4.125%
HK$73,960
baseline
▲ 0.50% · 4.625%
HK$78,460
+HK$4,500/mo
Deposit HK$6.54M · loan HK$15.26M · min. income ≈ HK$147,920/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$926,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,424
−HK$4,183/mo
▼ 0.25% · 3.875%
HK$79,501
−HK$2,106/mo
Today · 4.125%
HK$81,607
baseline
▲ 0.50% · 4.625%
HK$85,909
+HK$4,302/mo
Deposit HK$6.54M · loan HK$15.26M · min. income ≈ HK$163,214/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$926,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,480
−HK$5,611/mo
▼ 0.25% · 3.875%
HK$92,263
−HK$2,828/mo
Today · 4.125%
HK$95,091
baseline
▲ 0.50% · 4.625%
HK$100,877
+HK$5,786/mo
Deposit HK$2.18M · loan HK$19.62M · min. income ≈ HK$190,182/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$926,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,546
−HK$5,378/mo
▼ 0.25% · 3.875%
HK$102,216
−HK$2,708/mo
Today · 4.125%
HK$104,924
baseline
▲ 0.50% · 4.625%
HK$110,455
+HK$5,531/mo
Deposit HK$2.18M · loan HK$19.62M · min. income ≈ HK$209,848/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$926,530 · Scale 2, in force from 26 Feb 2026)