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$49,898
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$51,450
−HK$1,577/mo
Today · 4.125%
HK$53,027
baseline
▲ 0.50% · 4.625%
HK$56,254
+HK$3,227/mo
Deposit HK$10.94M · loan HK$10.94M · min. income ≈ HK$106,054/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$930,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,511
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$57,000
−HK$1,510/mo
Today · 4.125%
HK$58,510
baseline
▲ 0.50% · 4.625%
HK$61,594
+HK$3,084/mo
Deposit HK$10.94M · loan HK$10.94M · min. income ≈ HK$117,020/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$930,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,878
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$61,740
−HK$1,893/mo
Today · 4.125%
HK$63,633
baseline
▲ 0.50% · 4.625%
HK$67,505
+HK$3,872/mo
Deposit HK$8.75M · loan HK$13.13M · min. income ≈ HK$127,266/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$930,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,613
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$68,400
−HK$1,812/mo
Today · 4.125%
HK$70,212
baseline
▲ 0.50% · 4.625%
HK$73,913
+HK$3,701/mo
Deposit HK$8.75M · loan HK$13.13M · min. income ≈ HK$140,424/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$930,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,857
−HK$4,381/mo
▼ 0.25% · 3.875%
HK$72,030
−HK$2,208/mo
Today · 4.125%
HK$74,238
baseline
▲ 0.50% · 4.625%
HK$78,755
+HK$4,517/mo
Deposit HK$6.56M · loan HK$15.32M · min. income ≈ HK$148,476/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$930,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,716
−HK$4,198/mo
▼ 0.25% · 3.875%
HK$79,800
−HK$2,114/mo
Today · 4.125%
HK$81,914
baseline
▲ 0.50% · 4.625%
HK$86,232
+HK$4,318/mo
Deposit HK$6.56M · loan HK$15.32M · min. income ≈ HK$163,828/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$930,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,817
−HK$5,632/mo
▼ 0.25% · 3.875%
HK$92,610
−HK$2,839/mo
Today · 4.125%
HK$95,449
baseline
▲ 0.50% · 4.625%
HK$101,257
+HK$5,808/mo
Deposit HK$2.19M · loan HK$19.69M · min. income ≈ HK$190,898/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,920
−HK$5,399/mo
▼ 0.25% · 3.875%
HK$102,600
−HK$2,719/mo
Today · 4.125%
HK$105,319
baseline
▲ 0.50% · 4.625%
HK$110,870
+HK$5,551/mo
Deposit HK$2.19M · loan HK$19.69M · min. income ≈ HK$210,638/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,015 · Scale 2, in force from 26 Feb 2026)