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$49,852
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$51,402
−HK$1,576/mo
Today · 4.125%
HK$52,978
baseline
▲ 0.50% · 4.625%
HK$56,201
+HK$3,223/mo
Deposit HK$10.93M · loan HK$10.93M · min. income ≈ HK$105,956/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$929,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,459
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$56,947
−HK$1,509/mo
Today · 4.125%
HK$58,456
baseline
▲ 0.50% · 4.625%
HK$61,537
+HK$3,081/mo
Deposit HK$10.93M · loan HK$10.93M · min. income ≈ HK$116,912/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$929,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,822
−HK$3,751/mo
▼ 0.25% · 3.875%
HK$61,683
−HK$1,890/mo
Today · 4.125%
HK$63,573
baseline
▲ 0.50% · 4.625%
HK$67,442
+HK$3,869/mo
Deposit HK$8.74M · loan HK$13.12M · min. income ≈ HK$127,146/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$929,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,551
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$68,336
−HK$1,811/mo
Today · 4.125%
HK$70,147
baseline
▲ 0.50% · 4.625%
HK$73,844
+HK$3,697/mo
Deposit HK$8.74M · loan HK$13.12M · min. income ≈ HK$140,294/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$929,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,792
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$71,963
−HK$2,206/mo
Today · 4.125%
HK$74,169
baseline
▲ 0.50% · 4.625%
HK$78,682
+HK$4,513/mo
Deposit HK$6.56M · loan HK$15.30M · min. income ≈ HK$148,338/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$929,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,643
−HK$4,195/mo
▼ 0.25% · 3.875%
HK$79,726
−HK$2,112/mo
Today · 4.125%
HK$81,838
baseline
▲ 0.50% · 4.625%
HK$86,152
+HK$4,314/mo
Deposit HK$6.56M · loan HK$15.30M · min. income ≈ HK$163,676/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$929,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,733
−HK$5,627/mo
▼ 0.25% · 3.875%
HK$92,524
−HK$2,836/mo
Today · 4.125%
HK$95,360
baseline
▲ 0.50% · 4.625%
HK$101,162
+HK$5,802/mo
Deposit HK$2.19M · loan HK$19.68M · min. income ≈ HK$190,720/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$929,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,827
−HK$5,393/mo
▼ 0.25% · 3.875%
HK$102,504
−HK$2,716/mo
Today · 4.125%
HK$105,220
baseline
▲ 0.50% · 4.625%
HK$110,767
+HK$5,547/mo
Deposit HK$2.19M · loan HK$19.68M · min. income ≈ HK$210,440/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$929,148 · Scale 2, in force from 26 Feb 2026)