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$49,906
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$51,458
−HK$1,577/mo
Today · 4.125%
HK$53,035
baseline
▲ 0.50% · 4.625%
HK$56,262
+HK$3,227/mo
Deposit HK$10.94M · loan HK$10.94M · min. income ≈ HK$106,070/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$930,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,519
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$57,008
−HK$1,511/mo
Today · 4.125%
HK$58,519
baseline
▲ 0.50% · 4.625%
HK$61,604
+HK$3,085/mo
Deposit HK$10.94M · loan HK$10.94M · min. income ≈ HK$117,038/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$930,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,887
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$61,749
−HK$1,893/mo
Today · 4.125%
HK$63,642
baseline
▲ 0.50% · 4.625%
HK$67,515
+HK$3,873/mo
Deposit HK$8.75M · loan HK$13.13M · min. income ≈ HK$127,284/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$930,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,623
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$68,410
−HK$1,813/mo
Today · 4.125%
HK$70,223
baseline
▲ 0.50% · 4.625%
HK$73,924
+HK$3,701/mo
Deposit HK$8.75M · loan HK$13.13M · min. income ≈ HK$140,446/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$930,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,868
−HK$4,381/mo
▼ 0.25% · 3.875%
HK$72,041
−HK$2,208/mo
Today · 4.125%
HK$74,249
baseline
▲ 0.50% · 4.625%
HK$78,767
+HK$4,518/mo
Deposit HK$6.57M · loan HK$15.32M · min. income ≈ HK$148,498/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$930,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,727
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$79,812
−HK$2,115/mo
Today · 4.125%
HK$81,927
baseline
▲ 0.50% · 4.625%
HK$86,245
+HK$4,318/mo
Deposit HK$6.57M · loan HK$15.32M · min. income ≈ HK$163,854/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$930,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,830
−HK$5,633/mo
▼ 0.25% · 3.875%
HK$92,624
−HK$2,839/mo
Today · 4.125%
HK$95,463
baseline
▲ 0.50% · 4.625%
HK$101,272
+HK$5,809/mo
Deposit HK$2.19M · loan HK$19.70M · min. income ≈ HK$190,926/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,935
−HK$5,399/mo
▼ 0.25% · 3.875%
HK$102,615
−HK$2,719/mo
Today · 4.125%
HK$105,334
baseline
▲ 0.50% · 4.625%
HK$110,886
+HK$5,552/mo
Deposit HK$2.19M · loan HK$19.70M · min. income ≈ HK$210,668/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,153 · Scale 2, in force from 26 Feb 2026)