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$49,908
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$51,460
−HK$1,578/mo
Today · 4.125%
HK$53,038
baseline
▲ 0.50% · 4.625%
HK$56,265
+HK$3,227/mo
Deposit HK$10.94M · loan HK$10.94M · min. income ≈ HK$106,076/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$930,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,522
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$57,011
−HK$1,511/mo
Today · 4.125%
HK$58,522
baseline
▲ 0.50% · 4.625%
HK$61,607
+HK$3,085/mo
Deposit HK$10.94M · loan HK$10.94M · min. income ≈ HK$117,044/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$930,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,890
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$61,753
−HK$1,892/mo
Today · 4.125%
HK$63,645
baseline
▲ 0.50% · 4.625%
HK$67,518
+HK$3,873/mo
Deposit HK$8.75M · loan HK$13.13M · min. income ≈ HK$127,290/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$930,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,627
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$68,413
−HK$1,813/mo
Today · 4.125%
HK$70,226
baseline
▲ 0.50% · 4.625%
HK$73,928
+HK$3,702/mo
Deposit HK$8.75M · loan HK$13.13M · min. income ≈ HK$140,452/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$930,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,871
−HK$4,382/mo
▼ 0.25% · 3.875%
HK$72,045
−HK$2,208/mo
Today · 4.125%
HK$74,253
baseline
▲ 0.50% · 4.625%
HK$78,771
+HK$4,518/mo
Deposit HK$6.57M · loan HK$15.32M · min. income ≈ HK$148,506/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$930,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,731
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$79,816
−HK$2,115/mo
Today · 4.125%
HK$81,931
baseline
▲ 0.50% · 4.625%
HK$86,249
+HK$4,318/mo
Deposit HK$6.57M · loan HK$15.32M · min. income ≈ HK$163,862/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$930,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,834
−HK$5,634/mo
▼ 0.25% · 3.875%
HK$92,629
−HK$2,839/mo
Today · 4.125%
HK$95,468
baseline
▲ 0.50% · 4.625%
HK$101,277
+HK$5,809/mo
Deposit HK$2.19M · loan HK$19.70M · min. income ≈ HK$190,936/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,940
−HK$5,399/mo
▼ 0.25% · 3.875%
HK$102,620
−HK$2,719/mo
Today · 4.125%
HK$105,339
baseline
▲ 0.50% · 4.625%
HK$110,892
+HK$5,553/mo
Deposit HK$2.19M · loan HK$19.70M · min. income ≈ HK$210,678/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,199 · Scale 2, in force from 26 Feb 2026)