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$49,914
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$51,466
−HK$1,578/mo
Today · 4.125%
HK$53,044
baseline
▲ 0.50% · 4.625%
HK$56,271
+HK$3,227/mo
Deposit HK$10.94M · loan HK$10.94M · min. income ≈ HK$106,088/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$930,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,528
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$57,018
−HK$1,510/mo
Today · 4.125%
HK$58,528
baseline
▲ 0.50% · 4.625%
HK$61,614
+HK$3,086/mo
Deposit HK$10.94M · loan HK$10.94M · min. income ≈ HK$117,056/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$930,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,896
−HK$3,756/mo
▼ 0.25% · 3.875%
HK$61,760
−HK$1,892/mo
Today · 4.125%
HK$63,652
baseline
▲ 0.50% · 4.625%
HK$67,526
+HK$3,874/mo
Deposit HK$8.76M · loan HK$13.13M · min. income ≈ HK$127,304/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$930,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,634
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$68,421
−HK$1,813/mo
Today · 4.125%
HK$70,234
baseline
▲ 0.50% · 4.625%
HK$73,936
+HK$3,702/mo
Deposit HK$8.76M · loan HK$13.13M · min. income ≈ HK$140,468/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$930,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,879
−HK$4,382/mo
▼ 0.25% · 3.875%
HK$72,053
−HK$2,208/mo
Today · 4.125%
HK$74,261
baseline
▲ 0.50% · 4.625%
HK$78,780
+HK$4,519/mo
Deposit HK$6.57M · loan HK$15.32M · min. income ≈ HK$148,522/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$930,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,740
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$79,825
−HK$2,115/mo
Today · 4.125%
HK$81,940
baseline
▲ 0.50% · 4.625%
HK$86,259
+HK$4,319/mo
Deposit HK$6.57M · loan HK$15.32M · min. income ≈ HK$163,880/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$930,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,845
−HK$5,634/mo
▼ 0.25% · 3.875%
HK$92,639
−HK$2,840/mo
Today · 4.125%
HK$95,479
baseline
▲ 0.50% · 4.625%
HK$101,288
+HK$5,809/mo
Deposit HK$2.19M · loan HK$19.70M · min. income ≈ HK$190,958/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,951
−HK$5,400/mo
▼ 0.25% · 3.875%
HK$102,632
−HK$2,719/mo
Today · 4.125%
HK$105,351
baseline
▲ 0.50% · 4.625%
HK$110,904
+HK$5,553/mo
Deposit HK$2.19M · loan HK$19.70M · min. income ≈ HK$210,702/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,304 · Scale 2, in force from 26 Feb 2026)