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$49,876
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$51,427
−HK$1,576/mo
Today · 4.125%
HK$53,003
baseline
▲ 0.50% · 4.625%
HK$56,229
+HK$3,226/mo
Deposit HK$10.94M · loan HK$10.94M · min. income ≈ HK$106,006/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$929,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,486
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$56,974
−HK$1,510/mo
Today · 4.125%
HK$58,484
baseline
▲ 0.50% · 4.625%
HK$61,567
+HK$3,083/mo
Deposit HK$10.94M · loan HK$10.94M · min. income ≈ HK$116,968/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$929,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,851
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$61,713
−HK$1,891/mo
Today · 4.125%
HK$63,604
baseline
▲ 0.50% · 4.625%
HK$67,474
+HK$3,870/mo
Deposit HK$8.75M · loan HK$13.12M · min. income ≈ HK$127,208/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$929,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,584
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$68,369
−HK$1,812/mo
Today · 4.125%
HK$70,181
baseline
▲ 0.50% · 4.625%
HK$73,880
+HK$3,699/mo
Deposit HK$8.75M · loan HK$13.12M · min. income ≈ HK$140,362/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$929,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,826
−HK$4,379/mo
▼ 0.25% · 3.875%
HK$71,998
−HK$2,207/mo
Today · 4.125%
HK$74,205
baseline
▲ 0.50% · 4.625%
HK$78,720
+HK$4,515/mo
Deposit HK$6.56M · loan HK$15.31M · min. income ≈ HK$148,410/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$929,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,681
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$79,764
−HK$2,114/mo
Today · 4.125%
HK$81,878
baseline
▲ 0.50% · 4.625%
HK$86,194
+HK$4,316/mo
Deposit HK$6.56M · loan HK$15.31M · min. income ≈ HK$163,756/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$929,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,777
−HK$5,629/mo
▼ 0.25% · 3.875%
HK$92,569
−HK$2,837/mo
Today · 4.125%
HK$95,406
baseline
▲ 0.50% · 4.625%
HK$101,212
+HK$5,806/mo
Deposit HK$2.19M · loan HK$19.69M · min. income ≈ HK$190,812/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$929,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,875
−HK$5,396/mo
▼ 0.25% · 3.875%
HK$102,554
−HK$2,717/mo
Today · 4.125%
HK$105,271
baseline
▲ 0.50% · 4.625%
HK$110,820
+HK$5,549/mo
Deposit HK$2.19M · loan HK$19.69M · min. income ≈ HK$210,542/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$929,599 · Scale 2, in force from 26 Feb 2026)