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$49,836
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$51,386
−HK$1,575/mo
Today · 4.125%
HK$52,961
baseline
▲ 0.50% · 4.625%
HK$56,184
+HK$3,223/mo
Deposit HK$10.93M · loan HK$10.93M · min. income ≈ HK$105,922/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$928,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,442
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$56,929
−HK$1,508/mo
Today · 4.125%
HK$58,437
baseline
▲ 0.50% · 4.625%
HK$61,518
+HK$3,081/mo
Deposit HK$10.93M · loan HK$10.93M · min. income ≈ HK$116,874/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$928,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,803
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$61,663
−HK$1,890/mo
Today · 4.125%
HK$63,553
baseline
▲ 0.50% · 4.625%
HK$67,421
+HK$3,868/mo
Deposit HK$8.74M · loan HK$13.11M · min. income ≈ HK$127,106/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$928,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,531
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$68,315
−HK$1,810/mo
Today · 4.125%
HK$70,125
baseline
▲ 0.50% · 4.625%
HK$73,821
+HK$3,696/mo
Deposit HK$8.74M · loan HK$13.11M · min. income ≈ HK$140,250/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$928,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,770
−HK$4,376/mo
▼ 0.25% · 3.875%
HK$71,941
−HK$2,205/mo
Today · 4.125%
HK$74,146
baseline
▲ 0.50% · 4.625%
HK$78,657
+HK$4,511/mo
Deposit HK$6.56M · loan HK$15.30M · min. income ≈ HK$148,292/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$928,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,619
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$79,701
−HK$2,111/mo
Today · 4.125%
HK$81,812
baseline
▲ 0.50% · 4.625%
HK$86,125
+HK$4,313/mo
Deposit HK$6.56M · loan HK$15.30M · min. income ≈ HK$163,624/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$928,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,705
−HK$5,625/mo
▼ 0.25% · 3.875%
HK$92,495
−HK$2,835/mo
Today · 4.125%
HK$95,330
baseline
▲ 0.50% · 4.625%
HK$101,131
+HK$5,801/mo
Deposit HK$2.19M · loan HK$19.67M · min. income ≈ HK$190,660/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,796
−HK$5,391/mo
▼ 0.25% · 3.875%
HK$102,472
−HK$2,715/mo
Today · 4.125%
HK$105,187
baseline
▲ 0.50% · 4.625%
HK$110,732
+HK$5,545/mo
Deposit HK$2.19M · loan HK$19.67M · min. income ≈ HK$210,374/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,858 · Scale 2, in force from 26 Feb 2026)