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$49,975
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$51,530
−HK$1,579/mo
Today · 4.125%
HK$53,109
baseline
▲ 0.50% · 4.625%
HK$56,341
+HK$3,232/mo
Deposit HK$10.96M · loan HK$10.96M · min. income ≈ HK$106,218/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$931,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,597
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$57,088
−HK$1,513/mo
Today · 4.125%
HK$58,601
baseline
▲ 0.50% · 4.625%
HK$61,690
+HK$3,089/mo
Deposit HK$10.96M · loan HK$10.96M · min. income ≈ HK$117,202/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$931,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,970
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$61,836
−HK$1,895/mo
Today · 4.125%
HK$63,731
baseline
▲ 0.50% · 4.625%
HK$67,609
+HK$3,878/mo
Deposit HK$8.77M · loan HK$13.15M · min. income ≈ HK$127,462/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$931,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,716
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$68,506
−HK$1,815/mo
Today · 4.125%
HK$70,321
baseline
▲ 0.50% · 4.625%
HK$74,028
+HK$3,707/mo
Deposit HK$8.77M · loan HK$13.15M · min. income ≈ HK$140,642/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$931,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,965
−HK$4,388/mo
▼ 0.25% · 3.875%
HK$72,142
−HK$2,211/mo
Today · 4.125%
HK$74,353
baseline
▲ 0.50% · 4.625%
HK$78,877
+HK$4,524/mo
Deposit HK$6.57M · loan HK$15.34M · min. income ≈ HK$148,706/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$931,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,836
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$79,923
−HK$2,118/mo
Today · 4.125%
HK$82,041
baseline
▲ 0.50% · 4.625%
HK$86,365
+HK$4,324/mo
Deposit HK$6.57M · loan HK$15.34M · min. income ≈ HK$164,082/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$931,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,955
−HK$5,641/mo
▼ 0.25% · 3.875%
HK$92,754
−HK$2,842/mo
Today · 4.125%
HK$95,596
baseline
▲ 0.50% · 4.625%
HK$101,413
+HK$5,817/mo
Deposit HK$2.19M · loan HK$19.72M · min. income ≈ HK$191,192/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,074
−HK$5,407/mo
▼ 0.25% · 3.875%
HK$102,758
−HK$2,723/mo
Today · 4.125%
HK$105,481
baseline
▲ 0.50% · 4.625%
HK$111,041
+HK$5,560/mo
Deposit HK$2.19M · loan HK$19.72M · min. income ≈ HK$210,962/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,452 · Scale 2, in force from 26 Feb 2026)