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$49,839
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$51,389
−HK$1,575/mo
Today · 4.125%
HK$52,964
baseline
▲ 0.50% · 4.625%
HK$56,187
+HK$3,223/mo
Deposit HK$10.93M · loan HK$10.93M · min. income ≈ HK$105,928/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$928,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,445
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$56,932
−HK$1,509/mo
Today · 4.125%
HK$58,441
baseline
▲ 0.50% · 4.625%
HK$61,521
+HK$3,080/mo
Deposit HK$10.93M · loan HK$10.93M · min. income ≈ HK$116,882/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$928,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,807
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$61,667
−HK$1,890/mo
Today · 4.125%
HK$63,557
baseline
▲ 0.50% · 4.625%
HK$67,424
+HK$3,867/mo
Deposit HK$8.74M · loan HK$13.11M · min. income ≈ HK$127,114/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$928,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,534
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$68,319
−HK$1,810/mo
Today · 4.125%
HK$70,129
baseline
▲ 0.50% · 4.625%
HK$73,826
+HK$3,697/mo
Deposit HK$8.74M · loan HK$13.11M · min. income ≈ HK$140,258/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$928,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,774
−HK$4,376/mo
▼ 0.25% · 3.875%
HK$71,945
−HK$2,205/mo
Today · 4.125%
HK$74,150
baseline
▲ 0.50% · 4.625%
HK$78,662
+HK$4,512/mo
Deposit HK$6.56M · loan HK$15.30M · min. income ≈ HK$148,300/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$928,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,623
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$79,705
−HK$2,112/mo
Today · 4.125%
HK$81,817
baseline
▲ 0.50% · 4.625%
HK$86,130
+HK$4,313/mo
Deposit HK$6.56M · loan HK$15.30M · min. income ≈ HK$163,634/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$928,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,710
−HK$5,626/mo
▼ 0.25% · 3.875%
HK$92,500
−HK$2,836/mo
Today · 4.125%
HK$95,336
baseline
▲ 0.50% · 4.625%
HK$101,137
+HK$5,801/mo
Deposit HK$2.19M · loan HK$19.67M · min. income ≈ HK$190,672/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,801
−HK$5,392/mo
▼ 0.25% · 3.875%
HK$102,478
−HK$2,715/mo
Today · 4.125%
HK$105,193
baseline
▲ 0.50% · 4.625%
HK$110,738
+HK$5,545/mo
Deposit HK$2.19M · loan HK$19.67M · min. income ≈ HK$210,386/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,910 · Scale 2, in force from 26 Feb 2026)