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$49,995
−HK$3,135/mo
▼ 0.25% · 3.875%
HK$51,550
−HK$1,580/mo
Today · 4.125%
HK$53,130
baseline
▲ 0.50% · 4.625%
HK$56,363
+HK$3,233/mo
Deposit HK$10.96M · loan HK$10.96M · min. income ≈ HK$106,260/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$931,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,619
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$57,110
−HK$1,513/mo
Today · 4.125%
HK$58,623
baseline
▲ 0.50% · 4.625%
HK$61,714
+HK$3,091/mo
Deposit HK$10.96M · loan HK$10.96M · min. income ≈ HK$117,246/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$931,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,994
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$61,860
−HK$1,896/mo
Today · 4.125%
HK$63,756
baseline
▲ 0.50% · 4.625%
HK$67,635
+HK$3,879/mo
Deposit HK$8.77M · loan HK$13.16M · min. income ≈ HK$127,512/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$931,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,742
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$68,532
−HK$1,816/mo
Today · 4.125%
HK$70,348
baseline
▲ 0.50% · 4.625%
HK$74,056
+HK$3,708/mo
Deposit HK$8.77M · loan HK$13.16M · min. income ≈ HK$140,696/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$931,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,993
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$72,170
−HK$2,212/mo
Today · 4.125%
HK$74,382
baseline
▲ 0.50% · 4.625%
HK$78,908
+HK$4,526/mo
Deposit HK$6.58M · loan HK$15.35M · min. income ≈ HK$148,764/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$931,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,866
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$79,954
−HK$2,119/mo
Today · 4.125%
HK$82,073
baseline
▲ 0.50% · 4.625%
HK$86,399
+HK$4,326/mo
Deposit HK$6.58M · loan HK$15.35M · min. income ≈ HK$164,146/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$931,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,990
−HK$5,644/mo
▼ 0.25% · 3.875%
HK$92,790
−HK$2,844/mo
Today · 4.125%
HK$95,634
baseline
▲ 0.50% · 4.625%
HK$101,453
+HK$5,819/mo
Deposit HK$2.19M · loan HK$19.73M · min. income ≈ HK$191,268/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,113
−HK$5,409/mo
▼ 0.25% · 3.875%
HK$102,798
−HK$2,724/mo
Today · 4.125%
HK$105,522
baseline
▲ 0.50% · 4.625%
HK$111,084
+HK$5,562/mo
Deposit HK$2.19M · loan HK$19.73M · min. income ≈ HK$211,044/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,814 · Scale 2, in force from 26 Feb 2026)