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$49,788
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$51,337
−HK$1,573/mo
Today · 4.125%
HK$52,910
baseline
▲ 0.50% · 4.625%
HK$56,130
+HK$3,220/mo
Deposit HK$10.92M · loan HK$10.92M · min. income ≈ HK$105,820/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$927,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,389
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$56,874
−HK$1,507/mo
Today · 4.125%
HK$58,381
baseline
▲ 0.50% · 4.625%
HK$61,459
+HK$3,078/mo
Deposit HK$10.92M · loan HK$10.92M · min. income ≈ HK$116,762/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$927,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,746
−HK$3,746/mo
▼ 0.25% · 3.875%
HK$61,604
−HK$1,888/mo
Today · 4.125%
HK$63,492
baseline
▲ 0.50% · 4.625%
HK$67,356
+HK$3,864/mo
Deposit HK$8.73M · loan HK$13.10M · min. income ≈ HK$126,984/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$927,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,466
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$68,249
−HK$1,808/mo
Today · 4.125%
HK$70,057
baseline
▲ 0.50% · 4.625%
HK$73,750
+HK$3,693/mo
Deposit HK$8.73M · loan HK$13.10M · min. income ≈ HK$140,114/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$927,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,703
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$71,871
−HK$2,203/mo
Today · 4.125%
HK$74,074
baseline
▲ 0.50% · 4.625%
HK$78,582
+HK$4,508/mo
Deposit HK$6.55M · loan HK$15.28M · min. income ≈ HK$148,148/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$927,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,544
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$79,624
−HK$2,110/mo
Today · 4.125%
HK$81,734
baseline
▲ 0.50% · 4.625%
HK$86,042
+HK$4,308/mo
Deposit HK$6.55M · loan HK$15.28M · min. income ≈ HK$163,468/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$927,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,618
−HK$5,620/mo
▼ 0.25% · 3.875%
HK$92,406
−HK$2,832/mo
Today · 4.125%
HK$95,238
baseline
▲ 0.50% · 4.625%
HK$101,033
+HK$5,795/mo
Deposit HK$2.18M · loan HK$19.65M · min. income ≈ HK$190,476/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$927,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,700
−HK$5,386/mo
▼ 0.25% · 3.875%
HK$102,374
−HK$2,712/mo
Today · 4.125%
HK$105,086
baseline
▲ 0.50% · 4.625%
HK$110,625
+HK$5,539/mo
Deposit HK$2.18M · loan HK$19.65M · min. income ≈ HK$210,172/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$927,963 · Scale 2, in force from 26 Feb 2026)