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$49,969
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$51,524
−HK$1,579/mo
Today · 4.125%
HK$53,103
baseline
▲ 0.50% · 4.625%
HK$56,334
+HK$3,231/mo
Deposit HK$10.96M · loan HK$10.96M · min. income ≈ HK$106,206/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$931,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,590
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$57,081
−HK$1,513/mo
Today · 4.125%
HK$58,594
baseline
▲ 0.50% · 4.625%
HK$61,682
+HK$3,088/mo
Deposit HK$10.96M · loan HK$10.96M · min. income ≈ HK$117,188/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$931,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,963
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$61,828
−HK$1,895/mo
Today · 4.125%
HK$63,723
baseline
▲ 0.50% · 4.625%
HK$67,601
+HK$3,878/mo
Deposit HK$8.77M · loan HK$13.15M · min. income ≈ HK$127,446/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$931,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,708
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$68,498
−HK$1,815/mo
Today · 4.125%
HK$70,313
baseline
▲ 0.50% · 4.625%
HK$74,019
+HK$3,706/mo
Deposit HK$8.77M · loan HK$13.15M · min. income ≈ HK$140,626/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$931,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,957
−HK$4,387/mo
▼ 0.25% · 3.875%
HK$72,133
−HK$2,211/mo
Today · 4.125%
HK$74,344
baseline
▲ 0.50% · 4.625%
HK$78,868
+HK$4,524/mo
Deposit HK$6.57M · loan HK$15.34M · min. income ≈ HK$148,688/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$931,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,827
−HK$4,204/mo
▼ 0.25% · 3.875%
HK$79,914
−HK$2,117/mo
Today · 4.125%
HK$82,031
baseline
▲ 0.50% · 4.625%
HK$86,355
+HK$4,324/mo
Deposit HK$6.57M · loan HK$15.34M · min. income ≈ HK$164,062/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$931,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,945
−HK$5,640/mo
▼ 0.25% · 3.875%
HK$92,743
−HK$2,842/mo
Today · 4.125%
HK$95,585
baseline
▲ 0.50% · 4.625%
HK$101,401
+HK$5,816/mo
Deposit HK$2.19M · loan HK$19.72M · min. income ≈ HK$191,170/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,063
−HK$5,406/mo
▼ 0.25% · 3.875%
HK$102,746
−HK$2,723/mo
Today · 4.125%
HK$105,469
baseline
▲ 0.50% · 4.625%
HK$111,028
+HK$5,559/mo
Deposit HK$2.19M · loan HK$19.72M · min. income ≈ HK$210,938/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,342 · Scale 2, in force from 26 Feb 2026)