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$49,874
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$51,425
−HK$1,576/mo
Today · 4.125%
HK$53,001
baseline
▲ 0.50% · 4.625%
HK$56,226
+HK$3,225/mo
Deposit HK$10.94M · loan HK$10.94M · min. income ≈ HK$106,002/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$929,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,484
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$56,972
−HK$1,510/mo
Today · 4.125%
HK$58,482
baseline
▲ 0.50% · 4.625%
HK$61,564
+HK$3,082/mo
Deposit HK$10.94M · loan HK$10.94M · min. income ≈ HK$116,964/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$929,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,848
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$61,710
−HK$1,892/mo
Today · 4.125%
HK$63,602
baseline
▲ 0.50% · 4.625%
HK$67,472
+HK$3,870/mo
Deposit HK$8.75M · loan HK$13.12M · min. income ≈ HK$127,204/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$929,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,581
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$68,367
−HK$1,811/mo
Today · 4.125%
HK$70,178
baseline
▲ 0.50% · 4.625%
HK$73,877
+HK$3,699/mo
Deposit HK$8.75M · loan HK$13.12M · min. income ≈ HK$140,356/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$929,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,823
−HK$4,379/mo
▼ 0.25% · 3.875%
HK$71,995
−HK$2,207/mo
Today · 4.125%
HK$74,202
baseline
▲ 0.50% · 4.625%
HK$78,717
+HK$4,515/mo
Deposit HK$6.56M · loan HK$15.31M · min. income ≈ HK$148,404/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$929,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,678
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$79,761
−HK$2,113/mo
Today · 4.125%
HK$81,874
baseline
▲ 0.50% · 4.625%
HK$86,190
+HK$4,316/mo
Deposit HK$6.56M · loan HK$15.31M · min. income ≈ HK$163,748/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$929,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,773
−HK$5,629/mo
▼ 0.25% · 3.875%
HK$92,565
−HK$2,837/mo
Today · 4.125%
HK$95,402
baseline
▲ 0.50% · 4.625%
HK$101,207
+HK$5,805/mo
Deposit HK$2.19M · loan HK$19.68M · min. income ≈ HK$190,804/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$929,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,871
−HK$5,396/mo
▼ 0.25% · 3.875%
HK$102,550
−HK$2,717/mo
Today · 4.125%
HK$105,267
baseline
▲ 0.50% · 4.625%
HK$110,816
+HK$5,549/mo
Deposit HK$2.19M · loan HK$19.68M · min. income ≈ HK$210,534/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$929,560 · Scale 2, in force from 26 Feb 2026)