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$49,722
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$51,268
−HK$1,572/mo
Today · 4.125%
HK$52,840
baseline
▲ 0.50% · 4.625%
HK$56,055
+HK$3,215/mo
Deposit HK$10.90M · loan HK$10.90M · min. income ≈ HK$105,680/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$926,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,315
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$56,798
−HK$1,505/mo
Today · 4.125%
HK$58,303
baseline
▲ 0.50% · 4.625%
HK$61,377
+HK$3,074/mo
Deposit HK$10.90M · loan HK$10.90M · min. income ≈ HK$116,606/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$926,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,666
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$61,522
−HK$1,886/mo
Today · 4.125%
HK$63,408
baseline
▲ 0.50% · 4.625%
HK$67,266
+HK$3,858/mo
Deposit HK$8.72M · loan HK$13.08M · min. income ≈ HK$126,816/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$926,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,378
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$68,158
−HK$1,806/mo
Today · 4.125%
HK$69,964
baseline
▲ 0.50% · 4.625%
HK$73,652
+HK$3,688/mo
Deposit HK$8.72M · loan HK$13.08M · min. income ≈ HK$139,928/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$926,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,610
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$71,776
−HK$2,199/mo
Today · 4.125%
HK$73,975
baseline
▲ 0.50% · 4.625%
HK$78,477
+HK$4,502/mo
Deposit HK$6.54M · loan HK$15.26M · min. income ≈ HK$147,950/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$926,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,441
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$79,518
−HK$2,107/mo
Today · 4.125%
HK$81,625
baseline
▲ 0.50% · 4.625%
HK$85,927
+HK$4,302/mo
Deposit HK$6.54M · loan HK$15.26M · min. income ≈ HK$163,250/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$926,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,499
−HK$5,612/mo
▼ 0.25% · 3.875%
HK$92,283
−HK$2,828/mo
Today · 4.125%
HK$95,111
baseline
▲ 0.50% · 4.625%
HK$100,899
+HK$5,788/mo
Deposit HK$2.18M · loan HK$19.62M · min. income ≈ HK$190,222/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$926,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,567
−HK$5,379/mo
▼ 0.25% · 3.875%
HK$102,237
−HK$2,709/mo
Today · 4.125%
HK$104,946
baseline
▲ 0.50% · 4.625%
HK$110,478
+HK$5,532/mo
Deposit HK$2.18M · loan HK$19.62M · min. income ≈ HK$209,892/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$926,725 · Scale 2, in force from 26 Feb 2026)