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$49,878
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$51,429
−HK$1,577/mo
Today · 4.125%
HK$53,006
baseline
▲ 0.50% · 4.625%
HK$56,231
+HK$3,225/mo
Deposit HK$10.94M · loan HK$10.94M · min. income ≈ HK$106,012/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$929,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,488
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$56,977
−HK$1,509/mo
Today · 4.125%
HK$58,486
baseline
▲ 0.50% · 4.625%
HK$61,569
+HK$3,083/mo
Deposit HK$10.94M · loan HK$10.94M · min. income ≈ HK$116,972/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$929,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,853
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$61,715
−HK$1,892/mo
Today · 4.125%
HK$63,607
baseline
▲ 0.50% · 4.625%
HK$67,477
+HK$3,870/mo
Deposit HK$8.75M · loan HK$13.12M · min. income ≈ HK$127,214/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$929,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,586
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$68,372
−HK$1,812/mo
Today · 4.125%
HK$70,184
baseline
▲ 0.50% · 4.625%
HK$73,883
+HK$3,699/mo
Deposit HK$8.75M · loan HK$13.12M · min. income ≈ HK$140,368/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$929,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,829
−HK$4,379/mo
▼ 0.25% · 3.875%
HK$72,001
−HK$2,207/mo
Today · 4.125%
HK$74,208
baseline
▲ 0.50% · 4.625%
HK$78,723
+HK$4,515/mo
Deposit HK$6.56M · loan HK$15.31M · min. income ≈ HK$148,416/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$929,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,684
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$79,767
−HK$2,114/mo
Today · 4.125%
HK$81,881
baseline
▲ 0.50% · 4.625%
HK$86,197
+HK$4,316/mo
Deposit HK$6.56M · loan HK$15.31M · min. income ≈ HK$163,762/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$929,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,780
−HK$5,630/mo
▼ 0.25% · 3.875%
HK$92,573
−HK$2,837/mo
Today · 4.125%
HK$95,410
baseline
▲ 0.50% · 4.625%
HK$101,215
+HK$5,805/mo
Deposit HK$2.19M · loan HK$19.69M · min. income ≈ HK$190,820/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$929,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,879
−HK$5,396/mo
▼ 0.25% · 3.875%
HK$102,558
−HK$2,717/mo
Today · 4.125%
HK$105,275
baseline
▲ 0.50% · 4.625%
HK$110,825
+HK$5,550/mo
Deposit HK$2.19M · loan HK$19.69M · min. income ≈ HK$210,550/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$929,635 · Scale 2, in force from 26 Feb 2026)