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$49,913
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$51,466
−HK$1,577/mo
Today · 4.125%
HK$53,043
baseline
▲ 0.50% · 4.625%
HK$56,271
+HK$3,228/mo
Deposit HK$10.94M · loan HK$10.94M · min. income ≈ HK$106,086/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$930,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,528
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$57,017
−HK$1,511/mo
Today · 4.125%
HK$58,528
baseline
▲ 0.50% · 4.625%
HK$61,613
+HK$3,085/mo
Deposit HK$10.94M · loan HK$10.94M · min. income ≈ HK$117,056/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$930,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,896
−HK$3,756/mo
▼ 0.25% · 3.875%
HK$61,759
−HK$1,893/mo
Today · 4.125%
HK$63,652
baseline
▲ 0.50% · 4.625%
HK$67,525
+HK$3,873/mo
Deposit HK$8.76M · loan HK$13.13M · min. income ≈ HK$127,304/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$930,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,634
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$68,421
−HK$1,813/mo
Today · 4.125%
HK$70,234
baseline
▲ 0.50% · 4.625%
HK$73,936
+HK$3,702/mo
Deposit HK$8.76M · loan HK$13.13M · min. income ≈ HK$140,468/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$930,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,879
−HK$4,382/mo
▼ 0.25% · 3.875%
HK$72,052
−HK$2,209/mo
Today · 4.125%
HK$74,261
baseline
▲ 0.50% · 4.625%
HK$78,779
+HK$4,518/mo
Deposit HK$6.57M · loan HK$15.32M · min. income ≈ HK$148,522/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$930,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,739
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$79,824
−HK$2,115/mo
Today · 4.125%
HK$81,939
baseline
▲ 0.50% · 4.625%
HK$86,258
+HK$4,319/mo
Deposit HK$6.57M · loan HK$15.32M · min. income ≈ HK$163,878/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$930,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,844
−HK$5,634/mo
▼ 0.25% · 3.875%
HK$92,639
−HK$2,839/mo
Today · 4.125%
HK$95,478
baseline
▲ 0.50% · 4.625%
HK$101,288
+HK$5,810/mo
Deposit HK$2.19M · loan HK$19.70M · min. income ≈ HK$190,956/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,951
−HK$5,400/mo
▼ 0.25% · 3.875%
HK$102,631
−HK$2,720/mo
Today · 4.125%
HK$105,351
baseline
▲ 0.50% · 4.625%
HK$110,904
+HK$5,553/mo
Deposit HK$2.19M · loan HK$19.70M · min. income ≈ HK$210,702/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,298 · Scale 2, in force from 26 Feb 2026)