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$49,963
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$51,517
−HK$1,579/mo
Today · 4.125%
HK$53,096
baseline
▲ 0.50% · 4.625%
HK$56,327
+HK$3,231/mo
Deposit HK$10.96M · loan HK$10.96M · min. income ≈ HK$106,192/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$931,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,584
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$57,074
−HK$1,513/mo
Today · 4.125%
HK$58,587
baseline
▲ 0.50% · 4.625%
HK$61,675
+HK$3,088/mo
Deposit HK$10.96M · loan HK$10.96M · min. income ≈ HK$117,174/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$931,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,956
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$61,821
−HK$1,895/mo
Today · 4.125%
HK$63,716
baseline
▲ 0.50% · 4.625%
HK$67,593
+HK$3,877/mo
Deposit HK$8.76M · loan HK$13.15M · min. income ≈ HK$127,432/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$931,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,700
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$68,489
−HK$1,815/mo
Today · 4.125%
HK$70,304
baseline
▲ 0.50% · 4.625%
HK$74,010
+HK$3,706/mo
Deposit HK$8.76M · loan HK$13.15M · min. income ≈ HK$140,608/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$931,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,949
−HK$4,386/mo
▼ 0.25% · 3.875%
HK$72,124
−HK$2,211/mo
Today · 4.125%
HK$74,335
baseline
▲ 0.50% · 4.625%
HK$78,858
+HK$4,523/mo
Deposit HK$6.57M · loan HK$15.34M · min. income ≈ HK$148,670/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$931,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,817
−HK$4,204/mo
▼ 0.25% · 3.875%
HK$79,904
−HK$2,117/mo
Today · 4.125%
HK$82,021
baseline
▲ 0.50% · 4.625%
HK$86,345
+HK$4,324/mo
Deposit HK$6.57M · loan HK$15.34M · min. income ≈ HK$164,042/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$931,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,934
−HK$5,640/mo
▼ 0.25% · 3.875%
HK$92,731
−HK$2,843/mo
Today · 4.125%
HK$95,574
baseline
▲ 0.50% · 4.625%
HK$101,389
+HK$5,815/mo
Deposit HK$2.19M · loan HK$19.72M · min. income ≈ HK$191,148/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,051
−HK$5,405/mo
▼ 0.25% · 3.875%
HK$102,734
−HK$2,722/mo
Today · 4.125%
HK$105,456
baseline
▲ 0.50% · 4.625%
HK$111,015
+HK$5,559/mo
Deposit HK$2.19M · loan HK$19.72M · min. income ≈ HK$210,912/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,229 · Scale 2, in force from 26 Feb 2026)