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$3,130/mo
▼ 0.25% · 3.875%
HK$51,464
−HK$1,577/mo
Today · 4.125%
HK$53,041
baseline
▲ 0.50% · 4.625%
HK$56,268
+HK$3,227/mo
Deposit HK$10.94M · loan HK$10.94M · min. income ≈ HK$106,082/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$930,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,526
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$57,015
−HK$1,510/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$930,256 · 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$67,522
+HK$3,873/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$930,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,631
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$68,418
−HK$1,813/mo
Today · 4.125%
HK$70,231
baseline
▲ 0.50% · 4.625%
HK$73,933
+HK$3,702/mo
Deposit HK$8.76M · loan HK$13.13M · min. income ≈ HK$140,462/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$930,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,876
−HK$4,381/mo
▼ 0.25% · 3.875%
HK$72,049
−HK$2,208/mo
Today · 4.125%
HK$74,257
baseline
▲ 0.50% · 4.625%
HK$78,776
+HK$4,519/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$930,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,736
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$79,821
−HK$2,115/mo
Today · 4.125%
HK$81,936
baseline
▲ 0.50% · 4.625%
HK$86,255
+HK$4,319/mo
Deposit HK$6.57M · loan HK$15.32M · min. income ≈ HK$163,872/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$930,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,840
−HK$5,634/mo
▼ 0.25% · 3.875%
HK$92,634
−HK$2,840/mo
Today · 4.125%
HK$95,474
baseline
▲ 0.50% · 4.625%
HK$101,283
+HK$5,809/mo
Deposit HK$2.19M · loan HK$19.70M · min. income ≈ HK$190,948/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,946
−HK$5,400/mo
▼ 0.25% · 3.875%
HK$102,627
−HK$2,719/mo
Today · 4.125%
HK$105,346
baseline
▲ 0.50% · 4.625%
HK$110,899
+HK$5,553/mo
Deposit HK$2.19M · loan HK$19.70M · min. income ≈ HK$210,692/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,256 · Scale 2, in force from 26 Feb 2026)