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$49,974
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$51,529
−HK$1,579/mo
Today · 4.125%
HK$53,108
baseline
▲ 0.50% · 4.625%
HK$56,339
+HK$3,231/mo
Deposit HK$10.96M · loan HK$10.96M · min. income ≈ HK$106,216/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$931,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,596
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$57,087
−HK$1,512/mo
Today · 4.125%
HK$58,599
baseline
▲ 0.50% · 4.625%
HK$61,688
+HK$3,089/mo
Deposit HK$10.96M · loan HK$10.96M · min. income ≈ HK$117,198/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$931,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,969
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$61,834
−HK$1,896/mo
Today · 4.125%
HK$63,730
baseline
▲ 0.50% · 4.625%
HK$67,607
+HK$3,877/mo
Deposit HK$8.77M · loan HK$13.15M · min. income ≈ HK$127,460/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$931,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,715
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$68,504
−HK$1,815/mo
Today · 4.125%
HK$70,319
baseline
▲ 0.50% · 4.625%
HK$74,026
+HK$3,707/mo
Deposit HK$8.77M · loan HK$13.15M · min. income ≈ HK$140,638/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$931,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,964
−HK$4,387/mo
▼ 0.25% · 3.875%
HK$72,140
−HK$2,211/mo
Today · 4.125%
HK$74,351
baseline
▲ 0.50% · 4.625%
HK$78,875
+HK$4,524/mo
Deposit HK$6.57M · loan HK$15.34M · min. income ≈ HK$148,702/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$931,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,834
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$79,921
−HK$2,118/mo
Today · 4.125%
HK$82,039
baseline
▲ 0.50% · 4.625%
HK$86,363
+HK$4,324/mo
Deposit HK$6.57M · loan HK$15.34M · min. income ≈ HK$164,078/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$931,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,953
−HK$5,641/mo
▼ 0.25% · 3.875%
HK$92,751
−HK$2,843/mo
Today · 4.125%
HK$95,594
baseline
▲ 0.50% · 4.625%
HK$101,411
+HK$5,817/mo
Deposit HK$2.19M · loan HK$19.72M · min. income ≈ HK$191,188/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,072
−HK$5,407/mo
▼ 0.25% · 3.875%
HK$102,756
−HK$2,723/mo
Today · 4.125%
HK$105,479
baseline
▲ 0.50% · 4.625%
HK$111,039
+HK$5,560/mo
Deposit HK$2.19M · loan HK$19.72M · min. income ≈ HK$210,958/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,431 · Scale 2, in force from 26 Feb 2026)