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$49,833
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$51,384
−HK$1,574/mo
Today · 4.125%
HK$52,958
baseline
▲ 0.50% · 4.625%
HK$56,181
+HK$3,223/mo
Deposit HK$10.93M · loan HK$10.93M · min. income ≈ HK$105,916/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$928,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,439
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$56,926
−HK$1,508/mo
Today · 4.125%
HK$58,434
baseline
▲ 0.50% · 4.625%
HK$61,515
+HK$3,081/mo
Deposit HK$10.93M · loan HK$10.93M · min. income ≈ HK$116,868/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$928,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,800
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$61,660
−HK$1,890/mo
Today · 4.125%
HK$63,550
baseline
▲ 0.50% · 4.625%
HK$67,417
+HK$3,867/mo
Deposit HK$8.74M · loan HK$13.11M · min. income ≈ HK$127,100/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$928,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,527
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$68,311
−HK$1,810/mo
Today · 4.125%
HK$70,121
baseline
▲ 0.50% · 4.625%
HK$73,817
+HK$3,696/mo
Deposit HK$8.74M · loan HK$13.11M · min. income ≈ HK$140,242/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$928,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,767
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$71,937
−HK$2,205/mo
Today · 4.125%
HK$74,142
baseline
▲ 0.50% · 4.625%
HK$78,653
+HK$4,511/mo
Deposit HK$6.56M · loan HK$15.30M · min. income ≈ HK$148,284/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$928,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,615
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$79,696
−HK$2,112/mo
Today · 4.125%
HK$81,808
baseline
▲ 0.50% · 4.625%
HK$86,120
+HK$4,312/mo
Deposit HK$6.56M · loan HK$15.30M · min. income ≈ HK$163,616/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$928,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,700
−HK$5,625/mo
▼ 0.25% · 3.875%
HK$92,490
−HK$2,835/mo
Today · 4.125%
HK$95,325
baseline
▲ 0.50% · 4.625%
HK$101,125
+HK$5,800/mo
Deposit HK$2.19M · loan HK$19.67M · min. income ≈ HK$190,650/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,791
−HK$5,391/mo
▼ 0.25% · 3.875%
HK$102,467
−HK$2,715/mo
Today · 4.125%
HK$105,182
baseline
▲ 0.50% · 4.625%
HK$110,726
+HK$5,544/mo
Deposit HK$2.19M · loan HK$19.67M · min. income ≈ HK$210,364/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,808 · Scale 2, in force from 26 Feb 2026)