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$49,966
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$51,520
−HK$1,579/mo
Today · 4.125%
HK$53,099
baseline
▲ 0.50% · 4.625%
HK$56,330
+HK$3,231/mo
Deposit HK$10.96M · loan HK$10.96M · min. income ≈ HK$106,198/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$931,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,587
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$57,077
−HK$1,513/mo
Today · 4.125%
HK$58,590
baseline
▲ 0.50% · 4.625%
HK$61,678
+HK$3,088/mo
Deposit HK$10.96M · loan HK$10.96M · min. income ≈ HK$117,180/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$931,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,959
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$61,824
−HK$1,895/mo
Today · 4.125%
HK$63,719
baseline
▲ 0.50% · 4.625%
HK$67,596
+HK$3,877/mo
Deposit HK$8.76M · loan HK$13.15M · min. income ≈ HK$127,438/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$931,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,704
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$68,493
−HK$1,815/mo
Today · 4.125%
HK$70,308
baseline
▲ 0.50% · 4.625%
HK$74,014
+HK$3,706/mo
Deposit HK$8.76M · loan HK$13.15M · min. income ≈ HK$140,616/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$931,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,952
−HK$4,387/mo
▼ 0.25% · 3.875%
HK$72,128
−HK$2,211/mo
Today · 4.125%
HK$74,339
baseline
▲ 0.50% · 4.625%
HK$78,862
+HK$4,523/mo
Deposit HK$6.57M · loan HK$15.34M · min. income ≈ HK$148,678/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$931,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,821
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$79,908
−HK$2,118/mo
Today · 4.125%
HK$82,026
baseline
▲ 0.50% · 4.625%
HK$86,349
+HK$4,323/mo
Deposit HK$6.57M · loan HK$15.34M · min. income ≈ HK$164,052/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$931,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,939
−HK$5,640/mo
▼ 0.25% · 3.875%
HK$92,736
−HK$2,843/mo
Today · 4.125%
HK$95,579
baseline
▲ 0.50% · 4.625%
HK$101,395
+HK$5,816/mo
Deposit HK$2.19M · loan HK$19.72M · min. income ≈ HK$191,158/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,056
−HK$5,406/mo
▼ 0.25% · 3.875%
HK$102,739
−HK$2,723/mo
Today · 4.125%
HK$105,462
baseline
▲ 0.50% · 4.625%
HK$111,021
+HK$5,559/mo
Deposit HK$2.19M · loan HK$19.72M · min. income ≈ HK$210,924/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,280 · Scale 2, in force from 26 Feb 2026)