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$49,849
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$51,400
−HK$1,575/mo
Today · 4.125%
HK$52,975
baseline
▲ 0.50% · 4.625%
HK$56,199
+HK$3,224/mo
Deposit HK$10.93M · loan HK$10.93M · min. income ≈ HK$105,950/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$929,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,457
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$56,944
−HK$1,509/mo
Today · 4.125%
HK$58,453
baseline
▲ 0.50% · 4.625%
HK$61,534
+HK$3,081/mo
Deposit HK$10.93M · loan HK$10.93M · min. income ≈ HK$116,906/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$929,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,819
−HK$3,752/mo
▼ 0.25% · 3.875%
HK$61,680
−HK$1,891/mo
Today · 4.125%
HK$63,571
baseline
▲ 0.50% · 4.625%
HK$67,439
+HK$3,868/mo
Deposit HK$8.74M · loan HK$13.12M · min. income ≈ HK$127,142/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$929,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,548
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$68,333
−HK$1,811/mo
Today · 4.125%
HK$70,144
baseline
▲ 0.50% · 4.625%
HK$73,841
+HK$3,697/mo
Deposit HK$8.74M · loan HK$13.12M · min. income ≈ HK$140,288/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$929,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,789
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$71,960
−HK$2,206/mo
Today · 4.125%
HK$74,166
baseline
▲ 0.50% · 4.625%
HK$78,678
+HK$4,512/mo
Deposit HK$6.56M · loan HK$15.30M · min. income ≈ HK$148,332/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$929,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,640
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$79,722
−HK$2,112/mo
Today · 4.125%
HK$81,834
baseline
▲ 0.50% · 4.625%
HK$86,148
+HK$4,314/mo
Deposit HK$6.56M · loan HK$15.30M · min. income ≈ HK$163,668/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$929,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,729
−HK$5,627/mo
▼ 0.25% · 3.875%
HK$92,520
−HK$2,836/mo
Today · 4.125%
HK$95,356
baseline
▲ 0.50% · 4.625%
HK$101,158
+HK$5,802/mo
Deposit HK$2.19M · loan HK$19.68M · min. income ≈ HK$190,712/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$929,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,823
−HK$5,393/mo
▼ 0.25% · 3.875%
HK$102,500
−HK$2,716/mo
Today · 4.125%
HK$105,216
baseline
▲ 0.50% · 4.625%
HK$110,762
+HK$5,546/mo
Deposit HK$2.19M · loan HK$19.68M · min. income ≈ HK$210,432/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$929,107 · Scale 2, in force from 26 Feb 2026)