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$49,965
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$51,519
−HK$1,579/mo
Today · 4.125%
HK$53,098
baseline
▲ 0.50% · 4.625%
HK$56,329
+HK$3,231/mo
Deposit HK$10.96M · loan HK$10.96M · min. income ≈ HK$106,196/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$931,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,586
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$57,076
−HK$1,513/mo
Today · 4.125%
HK$58,589
baseline
▲ 0.50% · 4.625%
HK$61,677
+HK$3,088/mo
Deposit HK$10.96M · loan HK$10.96M · min. income ≈ HK$117,178/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$931,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,958
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$61,823
−HK$1,895/mo
Today · 4.125%
HK$63,718
baseline
▲ 0.50% · 4.625%
HK$67,595
+HK$3,877/mo
Deposit HK$8.76M · loan HK$13.15M · min. income ≈ HK$127,436/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$931,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,703
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$68,492
−HK$1,814/mo
Today · 4.125%
HK$70,306
baseline
▲ 0.50% · 4.625%
HK$74,012
+HK$3,706/mo
Deposit HK$8.76M · loan HK$13.15M · min. income ≈ HK$140,612/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$931,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,951
−HK$4,386/mo
▼ 0.25% · 3.875%
HK$72,127
−HK$2,210/mo
Today · 4.125%
HK$74,337
baseline
▲ 0.50% · 4.625%
HK$78,861
+HK$4,524/mo
Deposit HK$6.57M · loan HK$15.34M · min. income ≈ HK$148,674/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$931,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,820
−HK$4,204/mo
▼ 0.25% · 3.875%
HK$79,907
−HK$2,117/mo
Today · 4.125%
HK$82,024
baseline
▲ 0.50% · 4.625%
HK$86,348
+HK$4,324/mo
Deposit HK$6.57M · loan HK$15.34M · min. income ≈ HK$164,048/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$931,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,937
−HK$5,640/mo
▼ 0.25% · 3.875%
HK$92,734
−HK$2,843/mo
Today · 4.125%
HK$95,577
baseline
▲ 0.50% · 4.625%
HK$101,392
+HK$5,815/mo
Deposit HK$2.19M · loan HK$19.72M · min. income ≈ HK$191,154/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,054
−HK$5,406/mo
▼ 0.25% · 3.875%
HK$102,737
−HK$2,723/mo
Today · 4.125%
HK$105,460
baseline
▲ 0.50% · 4.625%
HK$111,018
+HK$5,558/mo
Deposit HK$2.19M · loan HK$19.72M · min. income ≈ HK$210,920/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,260 · Scale 2, in force from 26 Feb 2026)