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$49,940
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$51,493
−HK$1,579/mo
Today · 4.125%
HK$53,072
baseline
▲ 0.50% · 4.625%
HK$56,301
+HK$3,229/mo
Deposit HK$10.95M · loan HK$10.95M · min. income ≈ HK$106,144/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$930,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,558
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$57,048
−HK$1,511/mo
Today · 4.125%
HK$58,559
baseline
▲ 0.50% · 4.625%
HK$61,646
+HK$3,087/mo
Deposit HK$10.95M · loan HK$10.95M · min. income ≈ HK$117,118/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$930,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,928
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$61,792
−HK$1,894/mo
Today · 4.125%
HK$63,686
baseline
▲ 0.50% · 4.625%
HK$67,561
+HK$3,875/mo
Deposit HK$8.76M · loan HK$13.14M · min. income ≈ HK$127,372/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$930,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,669
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$68,457
−HK$1,814/mo
Today · 4.125%
HK$70,271
baseline
▲ 0.50% · 4.625%
HK$73,975
+HK$3,704/mo
Deposit HK$8.76M · loan HK$13.14M · min. income ≈ HK$140,542/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$930,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,916
−HK$4,384/mo
▼ 0.25% · 3.875%
HK$72,091
−HK$2,209/mo
Today · 4.125%
HK$74,300
baseline
▲ 0.50% · 4.625%
HK$78,821
+HK$4,521/mo
Deposit HK$6.57M · loan HK$15.33M · min. income ≈ HK$148,600/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$930,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,781
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$79,867
−HK$2,116/mo
Today · 4.125%
HK$81,983
baseline
▲ 0.50% · 4.625%
HK$86,305
+HK$4,322/mo
Deposit HK$6.57M · loan HK$15.33M · min. income ≈ HK$163,966/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$930,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,892
−HK$5,637/mo
▼ 0.25% · 3.875%
HK$92,688
−HK$2,841/mo
Today · 4.125%
HK$95,529
baseline
▲ 0.50% · 4.625%
HK$101,342
+HK$5,813/mo
Deposit HK$2.19M · loan HK$19.71M · min. income ≈ HK$191,058/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,004
−HK$5,403/mo
▼ 0.25% · 3.875%
HK$102,686
−HK$2,721/mo
Today · 4.125%
HK$105,407
baseline
▲ 0.50% · 4.625%
HK$110,963
+HK$5,556/mo
Deposit HK$2.19M · loan HK$19.71M · min. income ≈ HK$210,814/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,796 · Scale 2, in force from 26 Feb 2026)