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$49,959
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$51,513
−HK$1,579/mo
Today · 4.125%
HK$53,092
baseline
▲ 0.50% · 4.625%
HK$56,322
+HK$3,230/mo
Deposit HK$10.95M · loan HK$10.95M · min. income ≈ HK$106,184/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$931,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,579
−HK$3,002/mo
▼ 0.25% · 3.875%
HK$57,069
−HK$1,512/mo
Today · 4.125%
HK$58,581
baseline
▲ 0.50% · 4.625%
HK$61,669
+HK$3,088/mo
Deposit HK$10.95M · loan HK$10.95M · min. income ≈ HK$117,162/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$931,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,951
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$61,815
−HK$1,895/mo
Today · 4.125%
HK$63,710
baseline
▲ 0.50% · 4.625%
HK$67,587
+HK$3,877/mo
Deposit HK$8.76M · loan HK$13.15M · min. income ≈ HK$127,420/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$931,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,694
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$68,483
−HK$1,815/mo
Today · 4.125%
HK$70,298
baseline
▲ 0.50% · 4.625%
HK$74,003
+HK$3,705/mo
Deposit HK$8.76M · loan HK$13.15M · min. income ≈ HK$140,596/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$931,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,942
−HK$4,386/mo
▼ 0.25% · 3.875%
HK$72,118
−HK$2,210/mo
Today · 4.125%
HK$74,328
baseline
▲ 0.50% · 4.625%
HK$78,851
+HK$4,523/mo
Deposit HK$6.57M · loan HK$15.34M · min. income ≈ HK$148,656/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$931,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,810
−HK$4,204/mo
▼ 0.25% · 3.875%
HK$79,897
−HK$2,117/mo
Today · 4.125%
HK$82,014
baseline
▲ 0.50% · 4.625%
HK$86,337
+HK$4,323/mo
Deposit HK$6.57M · loan HK$15.34M · min. income ≈ HK$164,028/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$931,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,926
−HK$5,639/mo
▼ 0.25% · 3.875%
HK$92,723
−HK$2,842/mo
Today · 4.125%
HK$95,565
baseline
▲ 0.50% · 4.625%
HK$101,380
+HK$5,815/mo
Deposit HK$2.19M · loan HK$19.72M · min. income ≈ HK$191,130/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,042
−HK$5,404/mo
▼ 0.25% · 3.875%
HK$102,725
−HK$2,721/mo
Today · 4.125%
HK$105,446
baseline
▲ 0.50% · 4.625%
HK$111,005
+HK$5,559/mo
Deposit HK$2.19M · loan HK$19.72M · min. income ≈ HK$210,892/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,145 · Scale 2, in force from 26 Feb 2026)