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$49,996
−HK$3,135/mo
▼ 0.25% · 3.875%
HK$51,551
−HK$1,580/mo
Today · 4.125%
HK$53,131
baseline
▲ 0.50% · 4.625%
HK$56,364
+HK$3,233/mo
Deposit HK$10.96M · loan HK$10.96M · min. income ≈ HK$106,262/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$931,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,620
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$57,112
−HK$1,513/mo
Today · 4.125%
HK$58,625
baseline
▲ 0.50% · 4.625%
HK$61,716
+HK$3,091/mo
Deposit HK$10.96M · loan HK$10.96M · min. income ≈ HK$117,250/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$931,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,996
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$61,862
−HK$1,896/mo
Today · 4.125%
HK$63,758
baseline
▲ 0.50% · 4.625%
HK$67,637
+HK$3,879/mo
Deposit HK$8.77M · loan HK$13.16M · min. income ≈ HK$127,516/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$931,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,744
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$68,534
−HK$1,816/mo
Today · 4.125%
HK$70,350
baseline
▲ 0.50% · 4.625%
HK$74,059
+HK$3,709/mo
Deposit HK$8.77M · loan HK$13.16M · min. income ≈ HK$140,700/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$931,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,995
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$72,172
−HK$2,212/mo
Today · 4.125%
HK$74,384
baseline
▲ 0.50% · 4.625%
HK$78,910
+HK$4,526/mo
Deposit HK$6.58M · loan HK$15.35M · min. income ≈ HK$148,768/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$931,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,868
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$79,957
−HK$2,118/mo
Today · 4.125%
HK$82,075
baseline
▲ 0.50% · 4.625%
HK$86,402
+HK$4,327/mo
Deposit HK$6.58M · loan HK$15.35M · min. income ≈ HK$164,150/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$931,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,993
−HK$5,644/mo
▼ 0.25% · 3.875%
HK$92,793
−HK$2,844/mo
Today · 4.125%
HK$95,637
baseline
▲ 0.50% · 4.625%
HK$101,456
+HK$5,819/mo
Deposit HK$2.19M · loan HK$19.73M · min. income ≈ HK$191,274/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,117
−HK$5,409/mo
▼ 0.25% · 3.875%
HK$102,802
−HK$2,724/mo
Today · 4.125%
HK$105,526
baseline
▲ 0.50% · 4.625%
HK$111,088
+HK$5,562/mo
Deposit HK$2.19M · loan HK$19.73M · min. income ≈ HK$211,052/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,843 · Scale 2, in force from 26 Feb 2026)