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$49,870
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$51,421
−HK$1,576/mo
Today · 4.125%
HK$52,997
baseline
▲ 0.50% · 4.625%
HK$56,222
+HK$3,225/mo
Deposit HK$10.94M · loan HK$10.94M · min. income ≈ HK$105,994/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$929,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,480
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$56,968
−HK$1,509/mo
Today · 4.125%
HK$58,477
baseline
▲ 0.50% · 4.625%
HK$61,559
+HK$3,082/mo
Deposit HK$10.94M · loan HK$10.94M · min. income ≈ HK$116,954/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$929,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,844
−HK$3,752/mo
▼ 0.25% · 3.875%
HK$61,705
−HK$1,891/mo
Today · 4.125%
HK$63,596
baseline
▲ 0.50% · 4.625%
HK$67,466
+HK$3,870/mo
Deposit HK$8.75M · loan HK$13.12M · min. income ≈ HK$127,192/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$929,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,576
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$68,361
−HK$1,811/mo
Today · 4.125%
HK$70,172
baseline
▲ 0.50% · 4.625%
HK$73,871
+HK$3,699/mo
Deposit HK$8.75M · loan HK$13.12M · min. income ≈ HK$140,344/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$929,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,818
−HK$4,378/mo
▼ 0.25% · 3.875%
HK$71,989
−HK$2,207/mo
Today · 4.125%
HK$74,196
baseline
▲ 0.50% · 4.625%
HK$78,711
+HK$4,515/mo
Deposit HK$6.56M · loan HK$15.31M · min. income ≈ HK$148,392/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$929,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,672
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$79,755
−HK$2,113/mo
Today · 4.125%
HK$81,868
baseline
▲ 0.50% · 4.625%
HK$86,183
+HK$4,315/mo
Deposit HK$6.56M · loan HK$15.31M · min. income ≈ HK$163,736/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$929,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,766
−HK$5,629/mo
▼ 0.25% · 3.875%
HK$92,558
−HK$2,837/mo
Today · 4.125%
HK$95,395
baseline
▲ 0.50% · 4.625%
HK$101,199
+HK$5,804/mo
Deposit HK$2.19M · loan HK$19.68M · min. income ≈ HK$190,790/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$929,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,863
−HK$5,396/mo
▼ 0.25% · 3.875%
HK$102,542
−HK$2,717/mo
Today · 4.125%
HK$105,259
baseline
▲ 0.50% · 4.625%
HK$110,807
+HK$5,548/mo
Deposit HK$2.19M · loan HK$19.68M · min. income ≈ HK$210,518/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$929,486 · Scale 2, in force from 26 Feb 2026)