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$49,923
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$51,475
−HK$1,578/mo
Today · 4.125%
HK$53,053
baseline
▲ 0.50% · 4.625%
HK$56,281
+HK$3,228/mo
Deposit HK$10.95M · loan HK$10.95M · min. income ≈ HK$106,106/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$930,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,538
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$57,028
−HK$1,511/mo
Today · 4.125%
HK$58,539
baseline
▲ 0.50% · 4.625%
HK$61,625
+HK$3,086/mo
Deposit HK$10.95M · loan HK$10.95M · min. income ≈ HK$117,078/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$930,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,907
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$61,771
−HK$1,893/mo
Today · 4.125%
HK$63,664
baseline
▲ 0.50% · 4.625%
HK$67,538
+HK$3,874/mo
Deposit HK$8.76M · loan HK$13.14M · min. income ≈ HK$127,328/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$930,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,646
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$68,433
−HK$1,814/mo
Today · 4.125%
HK$70,247
baseline
▲ 0.50% · 4.625%
HK$73,950
+HK$3,703/mo
Deposit HK$8.76M · loan HK$13.14M · min. income ≈ HK$140,494/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$930,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,892
−HK$4,382/mo
▼ 0.25% · 3.875%
HK$72,066
−HK$2,208/mo
Today · 4.125%
HK$74,274
baseline
▲ 0.50% · 4.625%
HK$78,794
+HK$4,520/mo
Deposit HK$6.57M · loan HK$15.33M · min. income ≈ HK$148,548/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$930,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,754
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$79,839
−HK$2,116/mo
Today · 4.125%
HK$81,955
baseline
▲ 0.50% · 4.625%
HK$86,274
+HK$4,319/mo
Deposit HK$6.57M · loan HK$15.33M · min. income ≈ HK$163,910/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$930,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,861
−HK$5,635/mo
▼ 0.25% · 3.875%
HK$92,656
−HK$2,840/mo
Today · 4.125%
HK$95,496
baseline
▲ 0.50% · 4.625%
HK$101,306
+HK$5,810/mo
Deposit HK$2.19M · loan HK$19.70M · min. income ≈ HK$190,992/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,969
−HK$5,401/mo
▼ 0.25% · 3.875%
HK$102,650
−HK$2,720/mo
Today · 4.125%
HK$105,370
baseline
▲ 0.50% · 4.625%
HK$110,924
+HK$5,554/mo
Deposit HK$2.19M · loan HK$19.70M · min. income ≈ HK$210,740/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,471 · Scale 2, in force from 26 Feb 2026)