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$49,925
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$51,478
−HK$1,578/mo
Today · 4.125%
HK$53,056
baseline
▲ 0.50% · 4.625%
HK$56,284
+HK$3,228/mo
Deposit HK$10.95M · loan HK$10.95M · min. income ≈ HK$106,112/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$930,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,541
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$57,030
−HK$1,512/mo
Today · 4.125%
HK$58,542
baseline
▲ 0.50% · 4.625%
HK$61,627
+HK$3,085/mo
Deposit HK$10.95M · loan HK$10.95M · min. income ≈ HK$117,084/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$930,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,910
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$61,773
−HK$1,894/mo
Today · 4.125%
HK$63,667
baseline
▲ 0.50% · 4.625%
HK$67,541
+HK$3,874/mo
Deposit HK$8.76M · loan HK$13.14M · min. income ≈ HK$127,334/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$930,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,649
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$68,437
−HK$1,813/mo
Today · 4.125%
HK$70,250
baseline
▲ 0.50% · 4.625%
HK$73,953
+HK$3,703/mo
Deposit HK$8.76M · loan HK$13.14M · min. income ≈ HK$140,500/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$930,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,895
−HK$4,383/mo
▼ 0.25% · 3.875%
HK$72,069
−HK$2,209/mo
Today · 4.125%
HK$74,278
baseline
▲ 0.50% · 4.625%
HK$78,797
+HK$4,519/mo
Deposit HK$6.57M · loan HK$15.33M · min. income ≈ HK$148,556/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$930,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,757
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$79,843
−HK$2,115/mo
Today · 4.125%
HK$81,958
baseline
▲ 0.50% · 4.625%
HK$86,278
+HK$4,320/mo
Deposit HK$6.57M · loan HK$15.33M · min. income ≈ HK$163,916/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$930,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,865
−HK$5,635/mo
▼ 0.25% · 3.875%
HK$92,660
−HK$2,840/mo
Today · 4.125%
HK$95,500
baseline
▲ 0.50% · 4.625%
HK$101,311
+HK$5,811/mo
Deposit HK$2.19M · loan HK$19.70M · min. income ≈ HK$191,000/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,974
−HK$5,401/mo
▼ 0.25% · 3.875%
HK$102,655
−HK$2,720/mo
Today · 4.125%
HK$105,375
baseline
▲ 0.50% · 4.625%
HK$110,929
+HK$5,554/mo
Deposit HK$2.19M · loan HK$19.70M · min. income ≈ HK$210,750/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,513 · Scale 2, in force from 26 Feb 2026)