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$49,911
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$51,463
−HK$1,577/mo
Today · 4.125%
HK$53,040
baseline
▲ 0.50% · 4.625%
HK$56,268
+HK$3,228/mo
Deposit HK$10.94M · loan HK$10.94M · min. income ≈ HK$106,080/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$930,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,525
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$57,014
−HK$1,511/mo
Today · 4.125%
HK$58,525
baseline
▲ 0.50% · 4.625%
HK$61,610
+HK$3,085/mo
Deposit HK$10.94M · loan HK$10.94M · min. income ≈ HK$117,050/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$930,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,893
−HK$3,756/mo
▼ 0.25% · 3.875%
HK$61,756
−HK$1,893/mo
Today · 4.125%
HK$63,649
baseline
▲ 0.50% · 4.625%
HK$67,521
+HK$3,872/mo
Deposit HK$8.76M · loan HK$13.13M · min. income ≈ HK$127,298/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$930,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,630
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$68,417
−HK$1,813/mo
Today · 4.125%
HK$70,230
baseline
▲ 0.50% · 4.625%
HK$73,932
+HK$3,702/mo
Deposit HK$8.76M · loan HK$13.13M · min. income ≈ HK$140,460/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$930,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,875
−HK$4,382/mo
▼ 0.25% · 3.875%
HK$72,048
−HK$2,209/mo
Today · 4.125%
HK$74,257
baseline
▲ 0.50% · 4.625%
HK$78,775
+HK$4,518/mo
Deposit HK$6.57M · loan HK$15.32M · min. income ≈ HK$148,514/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$930,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,735
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$79,820
−HK$2,115/mo
Today · 4.125%
HK$81,935
baseline
▲ 0.50% · 4.625%
HK$86,254
+HK$4,319/mo
Deposit HK$6.57M · loan HK$15.32M · min. income ≈ HK$163,870/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$930,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,839
−HK$5,634/mo
▼ 0.25% · 3.875%
HK$92,634
−HK$2,839/mo
Today · 4.125%
HK$95,473
baseline
▲ 0.50% · 4.625%
HK$101,282
+HK$5,809/mo
Deposit HK$2.19M · loan HK$19.70M · min. income ≈ HK$190,946/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,945
−HK$5,400/mo
▼ 0.25% · 3.875%
HK$102,626
−HK$2,719/mo
Today · 4.125%
HK$105,345
baseline
▲ 0.50% · 4.625%
HK$110,898
+HK$5,553/mo
Deposit HK$2.19M · loan HK$19.70M · min. income ≈ HK$210,690/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,247 · Scale 2, in force from 26 Feb 2026)