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$49,932
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$51,485
−HK$1,578/mo
Today · 4.125%
HK$53,063
baseline
▲ 0.50% · 4.625%
HK$56,292
+HK$3,229/mo
Deposit HK$10.95M · loan HK$10.95M · min. income ≈ HK$106,126/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$930,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,549
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$57,039
−HK$1,511/mo
Today · 4.125%
HK$58,550
baseline
▲ 0.50% · 4.625%
HK$61,637
+HK$3,087/mo
Deposit HK$10.95M · loan HK$10.95M · min. income ≈ HK$117,100/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$930,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,919
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$61,782
−HK$1,894/mo
Today · 4.125%
HK$63,676
baseline
▲ 0.50% · 4.625%
HK$67,551
+HK$3,875/mo
Deposit HK$8.76M · loan HK$13.14M · min. income ≈ HK$127,352/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$930,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,659
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$68,447
−HK$1,813/mo
Today · 4.125%
HK$70,260
baseline
▲ 0.50% · 4.625%
HK$73,964
+HK$3,704/mo
Deposit HK$8.76M · loan HK$13.14M · min. income ≈ HK$140,520/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$930,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,905
−HK$4,384/mo
▼ 0.25% · 3.875%
HK$72,080
−HK$2,209/mo
Today · 4.125%
HK$74,289
baseline
▲ 0.50% · 4.625%
HK$78,809
+HK$4,520/mo
Deposit HK$6.57M · loan HK$15.33M · min. income ≈ HK$148,578/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$930,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,769
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$79,854
−HK$2,116/mo
Today · 4.125%
HK$81,970
baseline
▲ 0.50% · 4.625%
HK$86,291
+HK$4,321/mo
Deposit HK$6.57M · loan HK$15.33M · min. income ≈ HK$163,940/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$930,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,878
−HK$5,636/mo
▼ 0.25% · 3.875%
HK$92,674
−HK$2,840/mo
Today · 4.125%
HK$95,514
baseline
▲ 0.50% · 4.625%
HK$101,326
+HK$5,812/mo
Deposit HK$2.19M · loan HK$19.71M · min. income ≈ HK$191,028/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,988
−HK$5,402/mo
▼ 0.25% · 3.875%
HK$102,670
−HK$2,720/mo
Today · 4.125%
HK$105,390
baseline
▲ 0.50% · 4.625%
HK$110,946
+HK$5,556/mo
Deposit HK$2.19M · loan HK$19.71M · min. income ≈ HK$210,780/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,650 · Scale 2, in force from 26 Feb 2026)