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$49,700
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$51,246
−HK$1,571/mo
Today · 4.125%
HK$52,817
baseline
▲ 0.50% · 4.625%
HK$56,031
+HK$3,214/mo
Deposit HK$10.90M · loan HK$10.90M · min. income ≈ HK$105,634/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$926,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,291
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$56,774
−HK$1,504/mo
Today · 4.125%
HK$58,278
baseline
▲ 0.50% · 4.625%
HK$61,350
+HK$3,072/mo
Deposit HK$10.90M · loan HK$10.90M · min. income ≈ HK$116,556/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$926,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,640
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$61,495
−HK$1,885/mo
Today · 4.125%
HK$63,380
baseline
▲ 0.50% · 4.625%
HK$67,237
+HK$3,857/mo
Deposit HK$8.72M · loan HK$13.08M · min. income ≈ HK$126,760/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$926,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,349
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$68,129
−HK$1,805/mo
Today · 4.125%
HK$69,934
baseline
▲ 0.50% · 4.625%
HK$73,620
+HK$3,686/mo
Deposit HK$8.72M · loan HK$13.08M · min. income ≈ HK$139,868/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$926,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,580
−HK$4,364/mo
▼ 0.25% · 3.875%
HK$71,745
−HK$2,199/mo
Today · 4.125%
HK$73,944
baseline
▲ 0.50% · 4.625%
HK$78,443
+HK$4,499/mo
Deposit HK$6.54M · loan HK$15.26M · min. income ≈ HK$147,888/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$926,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,407
−HK$4,183/mo
▼ 0.25% · 3.875%
HK$79,484
−HK$2,106/mo
Today · 4.125%
HK$81,590
baseline
▲ 0.50% · 4.625%
HK$85,890
+HK$4,300/mo
Deposit HK$6.54M · loan HK$15.26M · min. income ≈ HK$163,180/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$926,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,461
−HK$5,609/mo
▼ 0.25% · 3.875%
HK$92,243
−HK$2,827/mo
Today · 4.125%
HK$95,070
baseline
▲ 0.50% · 4.625%
HK$100,855
+HK$5,785/mo
Deposit HK$2.18M · loan HK$19.62M · min. income ≈ HK$190,140/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$926,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,524
−HK$5,377/mo
▼ 0.25% · 3.875%
HK$102,193
−HK$2,708/mo
Today · 4.125%
HK$104,901
baseline
▲ 0.50% · 4.625%
HK$110,430
+HK$5,529/mo
Deposit HK$2.18M · loan HK$19.62M · min. income ≈ HK$209,802/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$926,327 · Scale 2, in force from 26 Feb 2026)