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$49,993
−HK$3,135/mo
▼ 0.25% · 3.875%
HK$51,548
−HK$1,580/mo
Today · 4.125%
HK$53,128
baseline
▲ 0.50% · 4.625%
HK$56,360
+HK$3,232/mo
Deposit HK$10.96M · loan HK$10.96M · min. income ≈ HK$106,256/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$931,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,616
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$57,108
−HK$1,513/mo
Today · 4.125%
HK$58,621
baseline
▲ 0.50% · 4.625%
HK$61,711
+HK$3,090/mo
Deposit HK$10.96M · loan HK$10.96M · min. income ≈ HK$117,242/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$931,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,991
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$61,857
−HK$1,896/mo
Today · 4.125%
HK$63,753
baseline
▲ 0.50% · 4.625%
HK$67,633
+HK$3,880/mo
Deposit HK$8.77M · loan HK$13.15M · min. income ≈ HK$127,506/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$931,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,740
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$68,530
−HK$1,816/mo
Today · 4.125%
HK$70,346
baseline
▲ 0.50% · 4.625%
HK$74,054
+HK$3,708/mo
Deposit HK$8.77M · loan HK$13.15M · min. income ≈ HK$140,692/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$931,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,990
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$72,167
−HK$2,212/mo
Today · 4.125%
HK$74,379
baseline
▲ 0.50% · 4.625%
HK$78,905
+HK$4,526/mo
Deposit HK$6.58M · loan HK$15.35M · min. income ≈ HK$148,758/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$931,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,863
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$79,951
−HK$2,119/mo
Today · 4.125%
HK$82,070
baseline
▲ 0.50% · 4.625%
HK$86,396
+HK$4,326/mo
Deposit HK$6.58M · loan HK$15.35M · min. income ≈ HK$164,140/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$931,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,987
−HK$5,643/mo
▼ 0.25% · 3.875%
HK$92,786
−HK$2,844/mo
Today · 4.125%
HK$95,630
baseline
▲ 0.50% · 4.625%
HK$101,449
+HK$5,819/mo
Deposit HK$2.19M · loan HK$19.73M · min. income ≈ HK$191,260/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,110
−HK$5,408/mo
▼ 0.25% · 3.875%
HK$102,795
−HK$2,723/mo
Today · 4.125%
HK$105,518
baseline
▲ 0.50% · 4.625%
HK$111,080
+HK$5,562/mo
Deposit HK$2.19M · loan HK$19.73M · min. income ≈ HK$211,036/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,779 · Scale 2, in force from 26 Feb 2026)