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$49,982
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$51,537
−HK$1,579/mo
Today · 4.125%
HK$53,116
baseline
▲ 0.50% · 4.625%
HK$56,348
+HK$3,232/mo
Deposit HK$10.96M · loan HK$10.96M · min. income ≈ HK$106,232/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$931,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,604
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$57,096
−HK$1,513/mo
Today · 4.125%
HK$58,609
baseline
▲ 0.50% · 4.625%
HK$61,698
+HK$3,089/mo
Deposit HK$10.96M · loan HK$10.96M · min. income ≈ HK$117,218/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$931,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,978
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$61,844
−HK$1,896/mo
Today · 4.125%
HK$63,740
baseline
▲ 0.50% · 4.625%
HK$67,618
+HK$3,878/mo
Deposit HK$8.77M · loan HK$13.15M · min. income ≈ HK$127,480/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$931,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,725
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$68,515
−HK$1,815/mo
Today · 4.125%
HK$70,330
baseline
▲ 0.50% · 4.625%
HK$74,037
+HK$3,707/mo
Deposit HK$8.77M · loan HK$13.15M · min. income ≈ HK$140,660/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$931,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,975
−HK$4,388/mo
▼ 0.25% · 3.875%
HK$72,151
−HK$2,212/mo
Today · 4.125%
HK$74,363
baseline
▲ 0.50% · 4.625%
HK$78,888
+HK$4,525/mo
Deposit HK$6.58M · loan HK$15.34M · min. income ≈ HK$148,726/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$931,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,846
−HK$4,206/mo
▼ 0.25% · 3.875%
HK$79,934
−HK$2,118/mo
Today · 4.125%
HK$82,052
baseline
▲ 0.50% · 4.625%
HK$86,377
+HK$4,325/mo
Deposit HK$6.58M · loan HK$15.34M · min. income ≈ HK$164,104/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$931,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,968
−HK$5,641/mo
▼ 0.25% · 3.875%
HK$92,766
−HK$2,843/mo
Today · 4.125%
HK$95,609
baseline
▲ 0.50% · 4.625%
HK$101,427
+HK$5,818/mo
Deposit HK$2.19M · loan HK$19.73M · min. income ≈ HK$191,218/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,088
−HK$5,407/mo
▼ 0.25% · 3.875%
HK$102,772
−HK$2,723/mo
Today · 4.125%
HK$105,495
baseline
▲ 0.50% · 4.625%
HK$111,056
+HK$5,561/mo
Deposit HK$2.19M · loan HK$19.73M · min. income ≈ HK$210,990/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,577 · Scale 2, in force from 26 Feb 2026)