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$49,827
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$51,377
−HK$1,575/mo
Today · 4.125%
HK$52,952
baseline
▲ 0.50% · 4.625%
HK$56,174
+HK$3,222/mo
Deposit HK$10.93M · loan HK$10.93M · min. income ≈ HK$105,904/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$928,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,432
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$56,919
−HK$1,508/mo
Today · 4.125%
HK$58,427
baseline
▲ 0.50% · 4.625%
HK$61,507
+HK$3,080/mo
Deposit HK$10.93M · loan HK$10.93M · min. income ≈ HK$116,854/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$928,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,793
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$61,653
−HK$1,889/mo
Today · 4.125%
HK$63,542
baseline
▲ 0.50% · 4.625%
HK$67,409
+HK$3,867/mo
Deposit HK$8.74M · loan HK$13.11M · min. income ≈ HK$127,084/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$928,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,519
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$68,303
−HK$1,810/mo
Today · 4.125%
HK$70,113
baseline
▲ 0.50% · 4.625%
HK$73,809
+HK$3,696/mo
Deposit HK$8.74M · loan HK$13.11M · min. income ≈ HK$140,226/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$928,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,758
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$71,928
−HK$2,205/mo
Today · 4.125%
HK$74,133
baseline
▲ 0.50% · 4.625%
HK$78,644
+HK$4,511/mo
Deposit HK$6.56M · loan HK$15.30M · min. income ≈ HK$148,266/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$928,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,605
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$79,687
−HK$2,111/mo
Today · 4.125%
HK$81,798
baseline
▲ 0.50% · 4.625%
HK$86,110
+HK$4,312/mo
Deposit HK$6.56M · loan HK$15.30M · min. income ≈ HK$163,596/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$928,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,689
−HK$5,625/mo
▼ 0.25% · 3.875%
HK$92,479
−HK$2,835/mo
Today · 4.125%
HK$95,314
baseline
▲ 0.50% · 4.625%
HK$101,113
+HK$5,799/mo
Deposit HK$2.19M · loan HK$19.67M · min. income ≈ HK$190,628/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,778
−HK$5,391/mo
▼ 0.25% · 3.875%
HK$102,454
−HK$2,715/mo
Today · 4.125%
HK$105,169
baseline
▲ 0.50% · 4.625%
HK$110,713
+HK$5,544/mo
Deposit HK$2.19M · loan HK$19.67M · min. income ≈ HK$210,338/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,696 · Scale 2, in force from 26 Feb 2026)