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$49,952
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$51,506
−HK$1,579/mo
Today · 4.125%
HK$53,085
baseline
▲ 0.50% · 4.625%
HK$56,315
+HK$3,230/mo
Deposit HK$10.95M · loan HK$10.95M · min. income ≈ HK$106,170/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$931,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,572
−HK$3,002/mo
▼ 0.25% · 3.875%
HK$57,062
−HK$1,512/mo
Today · 4.125%
HK$58,574
baseline
▲ 0.50% · 4.625%
HK$61,661
+HK$3,087/mo
Deposit HK$10.95M · loan HK$10.95M · min. income ≈ HK$117,148/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$931,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,943
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$61,807
−HK$1,895/mo
Today · 4.125%
HK$63,702
baseline
▲ 0.50% · 4.625%
HK$67,578
+HK$3,876/mo
Deposit HK$8.76M · loan HK$13.14M · min. income ≈ HK$127,404/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$931,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,686
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$68,474
−HK$1,815/mo
Today · 4.125%
HK$70,289
baseline
▲ 0.50% · 4.625%
HK$73,994
+HK$3,705/mo
Deposit HK$8.76M · loan HK$13.14M · min. income ≈ HK$140,578/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$931,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,933
−HK$4,386/mo
▼ 0.25% · 3.875%
HK$72,109
−HK$2,210/mo
Today · 4.125%
HK$74,319
baseline
▲ 0.50% · 4.625%
HK$78,841
+HK$4,522/mo
Deposit HK$6.57M · loan HK$15.33M · min. income ≈ HK$148,638/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$931,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,800
−HK$4,203/mo
▼ 0.25% · 3.875%
HK$79,887
−HK$2,116/mo
Today · 4.125%
HK$82,003
baseline
▲ 0.50% · 4.625%
HK$86,326
+HK$4,323/mo
Deposit HK$6.57M · loan HK$15.33M · min. income ≈ HK$164,006/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$931,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,914
−HK$5,639/mo
▼ 0.25% · 3.875%
HK$92,711
−HK$2,842/mo
Today · 4.125%
HK$95,553
baseline
▲ 0.50% · 4.625%
HK$101,367
+HK$5,814/mo
Deposit HK$2.19M · loan HK$19.72M · min. income ≈ HK$191,106/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,029
−HK$5,404/mo
▼ 0.25% · 3.875%
HK$102,712
−HK$2,721/mo
Today · 4.125%
HK$105,433
baseline
▲ 0.50% · 4.625%
HK$110,991
+HK$5,558/mo
Deposit HK$2.19M · loan HK$19.72M · min. income ≈ HK$210,866/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,026 · Scale 2, in force from 26 Feb 2026)