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$49,843
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$51,393
−HK$1,575/mo
Today · 4.125%
HK$52,968
baseline
▲ 0.50% · 4.625%
HK$56,191
+HK$3,223/mo
Deposit HK$10.93M · loan HK$10.93M · min. income ≈ HK$105,936/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$928,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,450
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$56,937
−HK$1,508/mo
Today · 4.125%
HK$58,445
baseline
▲ 0.50% · 4.625%
HK$61,526
+HK$3,081/mo
Deposit HK$10.93M · loan HK$10.93M · min. income ≈ HK$116,890/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$928,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,811
−HK$3,751/mo
▼ 0.25% · 3.875%
HK$61,672
−HK$1,890/mo
Today · 4.125%
HK$63,562
baseline
▲ 0.50% · 4.625%
HK$67,430
+HK$3,868/mo
Deposit HK$8.74M · loan HK$13.12M · min. income ≈ HK$127,124/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$928,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,539
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$68,324
−HK$1,810/mo
Today · 4.125%
HK$70,134
baseline
▲ 0.50% · 4.625%
HK$73,831
+HK$3,697/mo
Deposit HK$8.74M · loan HK$13.12M · min. income ≈ HK$140,268/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$928,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,780
−HK$4,376/mo
▼ 0.25% · 3.875%
HK$71,950
−HK$2,206/mo
Today · 4.125%
HK$74,156
baseline
▲ 0.50% · 4.625%
HK$78,668
+HK$4,512/mo
Deposit HK$6.56M · loan HK$15.30M · min. income ≈ HK$148,312/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$928,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,629
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$79,711
−HK$2,112/mo
Today · 4.125%
HK$81,823
baseline
▲ 0.50% · 4.625%
HK$86,136
+HK$4,313/mo
Deposit HK$6.56M · loan HK$15.30M · min. income ≈ HK$163,646/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$928,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,717
−HK$5,626/mo
▼ 0.25% · 3.875%
HK$92,508
−HK$2,835/mo
Today · 4.125%
HK$95,343
baseline
▲ 0.50% · 4.625%
HK$101,144
+HK$5,801/mo
Deposit HK$2.19M · loan HK$19.67M · min. income ≈ HK$190,686/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,809
−HK$5,393/mo
▼ 0.25% · 3.875%
HK$102,486
−HK$2,716/mo
Today · 4.125%
HK$105,202
baseline
▲ 0.50% · 4.625%
HK$110,747
+HK$5,545/mo
Deposit HK$2.19M · loan HK$19.67M · min. income ≈ HK$210,404/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,982 · Scale 2, in force from 26 Feb 2026)