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$49,885
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$51,436
−HK$1,577/mo
Today · 4.125%
HK$53,013
baseline
▲ 0.50% · 4.625%
HK$56,238
+HK$3,225/mo
Deposit HK$10.94M · loan HK$10.94M · min. income ≈ HK$106,026/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$929,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,496
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$56,984
−HK$1,510/mo
Today · 4.125%
HK$58,494
baseline
▲ 0.50% · 4.625%
HK$61,578
+HK$3,084/mo
Deposit HK$10.94M · loan HK$10.94M · min. income ≈ HK$116,988/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$929,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,861
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$61,724
−HK$1,891/mo
Today · 4.125%
HK$63,615
baseline
▲ 0.50% · 4.625%
HK$67,486
+HK$3,871/mo
Deposit HK$8.75M · loan HK$13.13M · min. income ≈ HK$127,230/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$929,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,595
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$68,381
−HK$1,812/mo
Today · 4.125%
HK$70,193
baseline
▲ 0.50% · 4.625%
HK$73,893
+HK$3,700/mo
Deposit HK$8.75M · loan HK$13.13M · min. income ≈ HK$140,386/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$929,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,838
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$72,011
−HK$2,207/mo
Today · 4.125%
HK$74,218
baseline
▲ 0.50% · 4.625%
HK$78,734
+HK$4,516/mo
Deposit HK$6.56M · loan HK$15.31M · min. income ≈ HK$148,436/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$929,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,695
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$79,778
−HK$2,114/mo
Today · 4.125%
HK$81,892
baseline
▲ 0.50% · 4.625%
HK$86,209
+HK$4,317/mo
Deposit HK$6.56M · loan HK$15.31M · min. income ≈ HK$163,784/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$929,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,792
−HK$5,631/mo
▼ 0.25% · 3.875%
HK$92,585
−HK$2,838/mo
Today · 4.125%
HK$95,423
baseline
▲ 0.50% · 4.625%
HK$101,229
+HK$5,806/mo
Deposit HK$2.19M · loan HK$19.69M · min. income ≈ HK$190,846/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$929,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,893
−HK$5,397/mo
▼ 0.25% · 3.875%
HK$102,572
−HK$2,718/mo
Today · 4.125%
HK$105,290
baseline
▲ 0.50% · 4.625%
HK$110,840
+HK$5,550/mo
Deposit HK$2.19M · loan HK$19.69M · min. income ≈ HK$210,580/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$929,762 · Scale 2, in force from 26 Feb 2026)