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$49,962
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$51,516
−HK$1,579/mo
Today · 4.125%
HK$53,095
baseline
▲ 0.50% · 4.625%
HK$56,326
+HK$3,231/mo
Deposit HK$10.96M · loan HK$10.96M · min. income ≈ HK$106,190/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$931,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,582
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$57,073
−HK$1,512/mo
Today · 4.125%
HK$58,585
baseline
▲ 0.50% · 4.625%
HK$61,674
+HK$3,089/mo
Deposit HK$10.96M · loan HK$10.96M · min. income ≈ HK$117,170/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$931,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,955
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$61,820
−HK$1,894/mo
Today · 4.125%
HK$63,714
baseline
▲ 0.50% · 4.625%
HK$67,591
+HK$3,877/mo
Deposit HK$8.76M · loan HK$13.15M · min. income ≈ HK$127,428/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$931,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,699
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$68,488
−HK$1,814/mo
Today · 4.125%
HK$70,302
baseline
▲ 0.50% · 4.625%
HK$74,008
+HK$3,706/mo
Deposit HK$8.76M · loan HK$13.15M · min. income ≈ HK$140,604/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$931,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,947
−HK$4,386/mo
▼ 0.25% · 3.875%
HK$72,123
−HK$2,210/mo
Today · 4.125%
HK$74,333
baseline
▲ 0.50% · 4.625%
HK$78,856
+HK$4,523/mo
Deposit HK$6.57M · loan HK$15.34M · min. income ≈ HK$148,666/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$931,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,815
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$79,902
−HK$2,118/mo
Today · 4.125%
HK$82,020
baseline
▲ 0.50% · 4.625%
HK$86,343
+HK$4,323/mo
Deposit HK$6.57M · loan HK$15.34M · min. income ≈ HK$164,040/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$931,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,932
−HK$5,639/mo
▼ 0.25% · 3.875%
HK$92,729
−HK$2,842/mo
Today · 4.125%
HK$95,571
baseline
▲ 0.50% · 4.625%
HK$101,387
+HK$5,816/mo
Deposit HK$2.19M · loan HK$19.72M · min. income ≈ HK$191,142/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,048
−HK$5,406/mo
▼ 0.25% · 3.875%
HK$102,732
−HK$2,722/mo
Today · 4.125%
HK$105,454
baseline
▲ 0.50% · 4.625%
HK$111,012
+HK$5,558/mo
Deposit HK$2.19M · loan HK$19.72M · min. income ≈ HK$210,908/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,209 · Scale 2, in force from 26 Feb 2026)