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$49,967
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$51,521
−HK$1,579/mo
Today · 4.125%
HK$53,100
baseline
▲ 0.50% · 4.625%
HK$56,332
+HK$3,232/mo
Deposit HK$10.96M · loan HK$10.96M · min. income ≈ HK$106,200/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$931,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,588
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$57,079
−HK$1,512/mo
Today · 4.125%
HK$58,591
baseline
▲ 0.50% · 4.625%
HK$61,680
+HK$3,089/mo
Deposit HK$10.96M · loan HK$10.96M · min. income ≈ HK$117,182/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$931,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,961
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$61,826
−HK$1,895/mo
Today · 4.125%
HK$63,721
baseline
▲ 0.50% · 4.625%
HK$67,598
+HK$3,877/mo
Deposit HK$8.77M · loan HK$13.15M · min. income ≈ HK$127,442/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$931,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,705
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$68,494
−HK$1,815/mo
Today · 4.125%
HK$70,309
baseline
▲ 0.50% · 4.625%
HK$74,015
+HK$3,706/mo
Deposit HK$8.77M · loan HK$13.15M · min. income ≈ HK$140,618/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$931,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,954
−HK$4,387/mo
▼ 0.25% · 3.875%
HK$72,130
−HK$2,211/mo
Today · 4.125%
HK$74,341
baseline
▲ 0.50% · 4.625%
HK$78,864
+HK$4,523/mo
Deposit HK$6.57M · loan HK$15.34M · min. income ≈ HK$148,682/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$931,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,823
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$79,910
−HK$2,118/mo
Today · 4.125%
HK$82,028
baseline
▲ 0.50% · 4.625%
HK$86,351
+HK$4,323/mo
Deposit HK$6.57M · loan HK$15.34M · min. income ≈ HK$164,056/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$931,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,941
−HK$5,640/mo
▼ 0.25% · 3.875%
HK$92,738
−HK$2,843/mo
Today · 4.125%
HK$95,581
baseline
▲ 0.50% · 4.625%
HK$101,397
+HK$5,816/mo
Deposit HK$2.19M · loan HK$19.72M · min. income ≈ HK$191,162/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,058
−HK$5,406/mo
▼ 0.25% · 3.875%
HK$102,742
−HK$2,722/mo
Today · 4.125%
HK$105,464
baseline
▲ 0.50% · 4.625%
HK$111,023
+HK$5,559/mo
Deposit HK$2.19M · loan HK$19.72M · min. income ≈ HK$210,928/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,300 · Scale 2, in force from 26 Feb 2026)