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$49,980
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$51,534
−HK$1,580/mo
Today · 4.125%
HK$53,114
baseline
▲ 0.50% · 4.625%
HK$56,346
+HK$3,232/mo
Deposit HK$10.96M · loan HK$10.96M · min. income ≈ HK$106,228/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$931,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,602
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$57,093
−HK$1,513/mo
Today · 4.125%
HK$58,606
baseline
▲ 0.50% · 4.625%
HK$61,695
+HK$3,089/mo
Deposit HK$10.96M · loan HK$10.96M · min. income ≈ HK$117,212/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$931,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,976
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$61,841
−HK$1,896/mo
Today · 4.125%
HK$63,737
baseline
▲ 0.50% · 4.625%
HK$67,615
+HK$3,878/mo
Deposit HK$8.77M · loan HK$13.15M · min. income ≈ HK$127,474/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$931,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,722
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$68,512
−HK$1,815/mo
Today · 4.125%
HK$70,327
baseline
▲ 0.50% · 4.625%
HK$74,034
+HK$3,707/mo
Deposit HK$8.77M · loan HK$13.15M · min. income ≈ HK$140,654/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$931,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,972
−HK$4,387/mo
▼ 0.25% · 3.875%
HK$72,148
−HK$2,211/mo
Today · 4.125%
HK$74,359
baseline
▲ 0.50% · 4.625%
HK$78,884
+HK$4,525/mo
Deposit HK$6.58M · loan HK$15.34M · min. income ≈ HK$148,718/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$931,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,843
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$79,930
−HK$2,118/mo
Today · 4.125%
HK$82,048
baseline
▲ 0.50% · 4.625%
HK$86,373
+HK$4,325/mo
Deposit HK$6.58M · loan HK$15.34M · min. income ≈ HK$164,096/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$931,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,963
−HK$5,642/mo
▼ 0.25% · 3.875%
HK$92,762
−HK$2,843/mo
Today · 4.125%
HK$95,605
baseline
▲ 0.50% · 4.625%
HK$101,422
+HK$5,817/mo
Deposit HK$2.19M · loan HK$19.73M · min. income ≈ HK$191,210/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,083
−HK$5,408/mo
▼ 0.25% · 3.875%
HK$102,768
−HK$2,723/mo
Today · 4.125%
HK$105,491
baseline
▲ 0.50% · 4.625%
HK$111,051
+HK$5,560/mo
Deposit HK$2.19M · loan HK$19.73M · min. income ≈ HK$210,982/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,535 · Scale 2, in force from 26 Feb 2026)