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$49,989
−HK$3,135/mo
▼ 0.25% · 3.875%
HK$51,544
−HK$1,580/mo
Today · 4.125%
HK$53,124
baseline
▲ 0.50% · 4.625%
HK$56,357
+HK$3,233/mo
Deposit HK$10.96M · loan HK$10.96M · min. income ≈ HK$106,248/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$931,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,613
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$57,104
−HK$1,513/mo
Today · 4.125%
HK$58,617
baseline
▲ 0.50% · 4.625%
HK$61,707
+HK$3,090/mo
Deposit HK$10.96M · loan HK$10.96M · min. income ≈ HK$117,234/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$931,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,987
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$61,853
−HK$1,896/mo
Today · 4.125%
HK$63,749
baseline
▲ 0.50% · 4.625%
HK$67,628
+HK$3,879/mo
Deposit HK$8.77M · loan HK$13.15M · min. income ≈ HK$127,498/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$931,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,735
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$68,525
−HK$1,816/mo
Today · 4.125%
HK$70,341
baseline
▲ 0.50% · 4.625%
HK$74,049
+HK$3,708/mo
Deposit HK$8.77M · loan HK$13.15M · min. income ≈ HK$140,682/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$931,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,985
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$72,162
−HK$2,212/mo
Today · 4.125%
HK$74,374
baseline
▲ 0.50% · 4.625%
HK$78,899
+HK$4,525/mo
Deposit HK$6.58M · loan HK$15.35M · min. income ≈ HK$148,748/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$931,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,858
−HK$4,206/mo
▼ 0.25% · 3.875%
HK$79,946
−HK$2,118/mo
Today · 4.125%
HK$82,064
baseline
▲ 0.50% · 4.625%
HK$86,390
+HK$4,326/mo
Deposit HK$6.58M · loan HK$15.35M · min. income ≈ HK$164,128/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$931,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,981
−HK$5,643/mo
▼ 0.25% · 3.875%
HK$92,780
−HK$2,844/mo
Today · 4.125%
HK$95,624
baseline
▲ 0.50% · 4.625%
HK$101,442
+HK$5,818/mo
Deposit HK$2.19M · loan HK$19.73M · min. income ≈ HK$191,248/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,103
−HK$5,408/mo
▼ 0.25% · 3.875%
HK$102,788
−HK$2,723/mo
Today · 4.125%
HK$105,511
baseline
▲ 0.50% · 4.625%
HK$111,073
+HK$5,562/mo
Deposit HK$2.19M · loan HK$19.73M · min. income ≈ HK$211,022/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,716 · Scale 2, in force from 26 Feb 2026)