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$49,884
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$51,435
−HK$1,577/mo
Today · 4.125%
HK$53,012
baseline
▲ 0.50% · 4.625%
HK$56,238
+HK$3,226/mo
Deposit HK$10.94M · loan HK$10.94M · min. income ≈ HK$106,024/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$929,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,495
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$56,984
−HK$1,509/mo
Today · 4.125%
HK$58,493
baseline
▲ 0.50% · 4.625%
HK$61,577
+HK$3,084/mo
Deposit HK$10.94M · loan HK$10.94M · min. income ≈ HK$116,986/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$929,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,861
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$61,723
−HK$1,891/mo
Today · 4.125%
HK$63,614
baseline
▲ 0.50% · 4.625%
HK$67,485
+HK$3,871/mo
Deposit HK$8.75M · loan HK$13.13M · min. income ≈ HK$127,228/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$929,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,594
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$68,380
−HK$1,812/mo
Today · 4.125%
HK$70,192
baseline
▲ 0.50% · 4.625%
HK$73,892
+HK$3,700/mo
Deposit HK$8.75M · loan HK$13.13M · min. income ≈ HK$140,384/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$929,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,837
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$72,010
−HK$2,207/mo
Today · 4.125%
HK$74,217
baseline
▲ 0.50% · 4.625%
HK$78,733
+HK$4,516/mo
Deposit HK$6.56M · loan HK$15.31M · min. income ≈ HK$148,434/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$929,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,693
−HK$4,198/mo
▼ 0.25% · 3.875%
HK$79,777
−HK$2,114/mo
Today · 4.125%
HK$81,891
baseline
▲ 0.50% · 4.625%
HK$86,207
+HK$4,316/mo
Deposit HK$6.56M · loan HK$15.31M · min. income ≈ HK$163,782/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$929,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,791
−HK$5,630/mo
▼ 0.25% · 3.875%
HK$92,584
−HK$2,837/mo
Today · 4.125%
HK$95,421
baseline
▲ 0.50% · 4.625%
HK$101,228
+HK$5,807/mo
Deposit HK$2.19M · loan HK$19.69M · min. income ≈ HK$190,842/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$929,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,891
−HK$5,397/mo
▼ 0.25% · 3.875%
HK$102,570
−HK$2,718/mo
Today · 4.125%
HK$105,288
baseline
▲ 0.50% · 4.625%
HK$110,838
+HK$5,550/mo
Deposit HK$2.19M · loan HK$19.69M · min. income ≈ HK$210,576/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$929,747 · Scale 2, in force from 26 Feb 2026)