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$49,840
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$51,391
−HK$1,575/mo
Today · 4.125%
HK$52,966
baseline
▲ 0.50% · 4.625%
HK$56,189
+HK$3,223/mo
Deposit HK$10.93M · loan HK$10.93M · min. income ≈ HK$105,932/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$928,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,447
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$56,934
−HK$1,508/mo
Today · 4.125%
HK$58,442
baseline
▲ 0.50% · 4.625%
HK$61,523
+HK$3,081/mo
Deposit HK$10.93M · loan HK$10.93M · min. income ≈ HK$116,884/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$928,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,808
−HK$3,751/mo
▼ 0.25% · 3.875%
HK$61,669
−HK$1,890/mo
Today · 4.125%
HK$63,559
baseline
▲ 0.50% · 4.625%
HK$67,426
+HK$3,867/mo
Deposit HK$8.74M · loan HK$13.11M · min. income ≈ HK$127,118/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$928,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,536
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$68,321
−HK$1,810/mo
Today · 4.125%
HK$70,131
baseline
▲ 0.50% · 4.625%
HK$73,828
+HK$3,697/mo
Deposit HK$8.74M · loan HK$13.11M · min. income ≈ HK$140,262/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$928,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,776
−HK$4,376/mo
▼ 0.25% · 3.875%
HK$71,947
−HK$2,205/mo
Today · 4.125%
HK$74,152
baseline
▲ 0.50% · 4.625%
HK$78,664
+HK$4,512/mo
Deposit HK$6.56M · loan HK$15.30M · min. income ≈ HK$148,304/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$928,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,626
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$79,707
−HK$2,112/mo
Today · 4.125%
HK$81,819
baseline
▲ 0.50% · 4.625%
HK$86,132
+HK$4,313/mo
Deposit HK$6.56M · loan HK$15.30M · min. income ≈ HK$163,638/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$928,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,713
−HK$5,625/mo
▼ 0.25% · 3.875%
HK$92,503
−HK$2,835/mo
Today · 4.125%
HK$95,338
baseline
▲ 0.50% · 4.625%
HK$101,139
+HK$5,801/mo
Deposit HK$2.19M · loan HK$19.67M · min. income ≈ HK$190,676/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,804
−HK$5,392/mo
▼ 0.25% · 3.875%
HK$102,481
−HK$2,715/mo
Today · 4.125%
HK$105,196
baseline
▲ 0.50% · 4.625%
HK$110,741
+HK$5,545/mo
Deposit HK$2.19M · loan HK$19.67M · min. income ≈ HK$210,392/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,937 · Scale 2, in force from 26 Feb 2026)