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$49,827
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$51,377
−HK$1,574/mo
Today · 4.125%
HK$52,951
baseline
▲ 0.50% · 4.625%
HK$56,173
+HK$3,222/mo
Deposit HK$10.93M · loan HK$10.93M · min. income ≈ HK$105,902/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$928,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,432
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$56,918
−HK$1,508/mo
Today · 4.125%
HK$58,426
baseline
▲ 0.50% · 4.625%
HK$61,506
+HK$3,080/mo
Deposit HK$10.93M · loan HK$10.93M · min. income ≈ HK$116,852/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$928,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,792
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$61,652
−HK$1,889/mo
Today · 4.125%
HK$63,541
baseline
▲ 0.50% · 4.625%
HK$67,408
+HK$3,867/mo
Deposit HK$8.74M · loan HK$13.11M · min. income ≈ HK$127,082/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$928,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,518
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$68,302
−HK$1,810/mo
Today · 4.125%
HK$70,112
baseline
▲ 0.50% · 4.625%
HK$73,807
+HK$3,695/mo
Deposit HK$8.74M · loan HK$13.11M · min. income ≈ HK$140,224/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$928,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,757
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$71,927
−HK$2,205/mo
Today · 4.125%
HK$74,132
baseline
▲ 0.50% · 4.625%
HK$78,642
+HK$4,510/mo
Deposit HK$6.56M · loan HK$15.30M · min. income ≈ HK$148,264/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$928,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,604
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$79,686
−HK$2,111/mo
Today · 4.125%
HK$81,797
baseline
▲ 0.50% · 4.625%
HK$86,109
+HK$4,312/mo
Deposit HK$6.56M · loan HK$15.30M · min. income ≈ HK$163,594/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$928,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,688
−HK$5,624/mo
▼ 0.25% · 3.875%
HK$92,478
−HK$2,834/mo
Today · 4.125%
HK$95,312
baseline
▲ 0.50% · 4.625%
HK$101,112
+HK$5,800/mo
Deposit HK$2.19M · loan HK$19.67M · min. income ≈ HK$190,624/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,777
−HK$5,391/mo
▼ 0.25% · 3.875%
HK$102,453
−HK$2,715/mo
Today · 4.125%
HK$105,168
baseline
▲ 0.50% · 4.625%
HK$110,711
+HK$5,543/mo
Deposit HK$2.19M · loan HK$19.67M · min. income ≈ HK$210,336/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,682 · Scale 2, in force from 26 Feb 2026)