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$49,873
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$51,425
−HK$1,576/mo
Today · 4.125%
HK$53,001
baseline
▲ 0.50% · 4.625%
HK$56,226
+HK$3,225/mo
Deposit HK$10.94M · loan HK$10.94M · min. income ≈ HK$106,002/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$929,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,483
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$56,971
−HK$1,510/mo
Today · 4.125%
HK$58,481
baseline
▲ 0.50% · 4.625%
HK$61,564
+HK$3,083/mo
Deposit HK$10.94M · loan HK$10.94M · min. income ≈ HK$116,962/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$929,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,848
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$61,709
−HK$1,892/mo
Today · 4.125%
HK$63,601
baseline
▲ 0.50% · 4.625%
HK$67,471
+HK$3,870/mo
Deposit HK$8.75M · loan HK$13.12M · min. income ≈ HK$127,202/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$929,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,580
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$68,366
−HK$1,811/mo
Today · 4.125%
HK$70,177
baseline
▲ 0.50% · 4.625%
HK$73,876
+HK$3,699/mo
Deposit HK$8.75M · loan HK$13.12M · min. income ≈ HK$140,354/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$929,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,822
−HK$4,379/mo
▼ 0.25% · 3.875%
HK$71,994
−HK$2,207/mo
Today · 4.125%
HK$74,201
baseline
▲ 0.50% · 4.625%
HK$78,716
+HK$4,515/mo
Deposit HK$6.56M · loan HK$15.31M · min. income ≈ HK$148,402/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$929,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,677
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$79,760
−HK$2,113/mo
Today · 4.125%
HK$81,873
baseline
▲ 0.50% · 4.625%
HK$86,189
+HK$4,316/mo
Deposit HK$6.56M · loan HK$15.31M · min. income ≈ HK$163,746/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$929,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,772
−HK$5,629/mo
▼ 0.25% · 3.875%
HK$92,564
−HK$2,837/mo
Today · 4.125%
HK$95,401
baseline
▲ 0.50% · 4.625%
HK$101,206
+HK$5,805/mo
Deposit HK$2.19M · loan HK$19.68M · min. income ≈ HK$190,802/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$929,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,870
−HK$5,396/mo
▼ 0.25% · 3.875%
HK$102,549
−HK$2,717/mo
Today · 4.125%
HK$105,266
baseline
▲ 0.50% · 4.625%
HK$110,814
+HK$5,548/mo
Deposit HK$2.19M · loan HK$19.68M · min. income ≈ HK$210,532/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$929,549 · Scale 2, in force from 26 Feb 2026)