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$49,903
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$51,455
−HK$1,577/mo
Today · 4.125%
HK$53,032
baseline
▲ 0.50% · 4.625%
HK$56,259
+HK$3,227/mo
Deposit HK$10.94M · loan HK$10.94M · min. income ≈ HK$106,064/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$930,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,517
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$57,006
−HK$1,510/mo
Today · 4.125%
HK$58,516
baseline
▲ 0.50% · 4.625%
HK$61,601
+HK$3,085/mo
Deposit HK$10.94M · loan HK$10.94M · min. income ≈ HK$117,032/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$930,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,884
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$61,746
−HK$1,893/mo
Today · 4.125%
HK$63,639
baseline
▲ 0.50% · 4.625%
HK$67,511
+HK$3,872/mo
Deposit HK$8.75M · loan HK$13.13M · min. income ≈ HK$127,278/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$930,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,620
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$68,407
−HK$1,812/mo
Today · 4.125%
HK$70,219
baseline
▲ 0.50% · 4.625%
HK$73,921
+HK$3,702/mo
Deposit HK$8.75M · loan HK$13.13M · min. income ≈ HK$140,438/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$930,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,864
−HK$4,381/mo
▼ 0.25% · 3.875%
HK$72,037
−HK$2,208/mo
Today · 4.125%
HK$74,245
baseline
▲ 0.50% · 4.625%
HK$78,763
+HK$4,518/mo
Deposit HK$6.57M · loan HK$15.32M · min. income ≈ HK$148,490/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$930,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,723
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$79,808
−HK$2,114/mo
Today · 4.125%
HK$81,922
baseline
▲ 0.50% · 4.625%
HK$86,241
+HK$4,319/mo
Deposit HK$6.57M · loan HK$15.32M · min. income ≈ HK$163,844/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$930,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,826
−HK$5,632/mo
▼ 0.25% · 3.875%
HK$92,620
−HK$2,838/mo
Today · 4.125%
HK$95,458
baseline
▲ 0.50% · 4.625%
HK$101,267
+HK$5,809/mo
Deposit HK$2.19M · loan HK$19.70M · min. income ≈ HK$190,916/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,930
−HK$5,399/mo
▼ 0.25% · 3.875%
HK$102,610
−HK$2,719/mo
Today · 4.125%
HK$105,329
baseline
▲ 0.50% · 4.625%
HK$110,881
+HK$5,552/mo
Deposit HK$2.19M · loan HK$19.70M · min. income ≈ HK$210,658/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,107 · Scale 2, in force from 26 Feb 2026)