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$49,832
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$51,382
−HK$1,575/mo
Today · 4.125%
HK$52,957
baseline
▲ 0.50% · 4.625%
HK$56,179
+HK$3,222/mo
Deposit HK$10.93M · loan HK$10.93M · min. income ≈ HK$105,914/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$928,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,437
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$56,924
−HK$1,509/mo
Today · 4.125%
HK$58,433
baseline
▲ 0.50% · 4.625%
HK$61,513
+HK$3,080/mo
Deposit HK$10.93M · loan HK$10.93M · min. income ≈ HK$116,866/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$928,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,798
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$61,658
−HK$1,890/mo
Today · 4.125%
HK$63,548
baseline
▲ 0.50% · 4.625%
HK$67,415
+HK$3,867/mo
Deposit HK$8.74M · loan HK$13.11M · min. income ≈ HK$127,096/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$928,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,525
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$68,309
−HK$1,810/mo
Today · 4.125%
HK$70,119
baseline
▲ 0.50% · 4.625%
HK$73,815
+HK$3,696/mo
Deposit HK$8.74M · loan HK$13.11M · min. income ≈ HK$140,238/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$928,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,765
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$71,935
−HK$2,204/mo
Today · 4.125%
HK$74,139
baseline
▲ 0.50% · 4.625%
HK$78,651
+HK$4,512/mo
Deposit HK$6.56M · loan HK$15.30M · min. income ≈ HK$148,278/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$928,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,612
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$79,694
−HK$2,112/mo
Today · 4.125%
HK$81,806
baseline
▲ 0.50% · 4.625%
HK$86,118
+HK$4,312/mo
Deposit HK$6.56M · loan HK$15.30M · min. income ≈ HK$163,612/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$928,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,697
−HK$5,625/mo
▼ 0.25% · 3.875%
HK$92,487
−HK$2,835/mo
Today · 4.125%
HK$95,322
baseline
▲ 0.50% · 4.625%
HK$101,122
+HK$5,800/mo
Deposit HK$2.19M · loan HK$19.67M · min. income ≈ HK$190,644/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,787
−HK$5,392/mo
▼ 0.25% · 3.875%
HK$102,464
−HK$2,715/mo
Today · 4.125%
HK$105,179
baseline
▲ 0.50% · 4.625%
HK$110,723
+HK$5,544/mo
Deposit HK$2.19M · loan HK$19.67M · min. income ≈ HK$210,358/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,779 · Scale 2, in force from 26 Feb 2026)