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$49,859
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$51,410
−HK$1,576/mo
Today · 4.125%
HK$52,986
baseline
▲ 0.50% · 4.625%
HK$56,210
+HK$3,224/mo
Deposit HK$10.93M · loan HK$10.93M · min. income ≈ HK$105,972/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$929,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,468
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$56,956
−HK$1,509/mo
Today · 4.125%
HK$58,465
baseline
▲ 0.50% · 4.625%
HK$61,547
+HK$3,082/mo
Deposit HK$10.93M · loan HK$10.93M · min. income ≈ HK$116,930/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$929,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,831
−HK$3,752/mo
▼ 0.25% · 3.875%
HK$61,692
−HK$1,891/mo
Today · 4.125%
HK$63,583
baseline
▲ 0.50% · 4.625%
HK$67,452
+HK$3,869/mo
Deposit HK$8.75M · loan HK$13.12M · min. income ≈ HK$127,166/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$929,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,562
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$68,347
−HK$1,811/mo
Today · 4.125%
HK$70,158
baseline
▲ 0.50% · 4.625%
HK$73,856
+HK$3,698/mo
Deposit HK$8.75M · loan HK$13.12M · min. income ≈ HK$140,316/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$929,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,803
−HK$4,378/mo
▼ 0.25% · 3.875%
HK$71,975
−HK$2,206/mo
Today · 4.125%
HK$74,181
baseline
▲ 0.50% · 4.625%
HK$78,694
+HK$4,513/mo
Deposit HK$6.56M · loan HK$15.31M · min. income ≈ HK$148,362/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$929,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,655
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$79,738
−HK$2,113/mo
Today · 4.125%
HK$81,851
baseline
▲ 0.50% · 4.625%
HK$86,165
+HK$4,314/mo
Deposit HK$6.56M · loan HK$15.31M · min. income ≈ HK$163,702/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$929,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,747
−HK$5,628/mo
▼ 0.25% · 3.875%
HK$92,539
−HK$2,836/mo
Today · 4.125%
HK$95,375
baseline
▲ 0.50% · 4.625%
HK$101,178
+HK$5,803/mo
Deposit HK$2.19M · loan HK$19.68M · min. income ≈ HK$190,750/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$929,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,843
−HK$5,394/mo
▼ 0.25% · 3.875%
HK$102,520
−HK$2,717/mo
Today · 4.125%
HK$105,237
baseline
▲ 0.50% · 4.625%
HK$110,784
+HK$5,547/mo
Deposit HK$2.19M · loan HK$19.68M · min. income ≈ HK$210,474/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$929,294 · Scale 2, in force from 26 Feb 2026)