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$49,957
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$51,511
−HK$1,579/mo
Today · 4.125%
HK$53,090
baseline
▲ 0.50% · 4.625%
HK$56,320
+HK$3,230/mo
Deposit HK$10.95M · loan HK$10.95M · min. income ≈ HK$106,180/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$931,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,577
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$57,067
−HK$1,513/mo
Today · 4.125%
HK$58,580
baseline
▲ 0.50% · 4.625%
HK$61,667
+HK$3,087/mo
Deposit HK$10.95M · loan HK$10.95M · min. income ≈ HK$117,160/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$931,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,949
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$61,813
−HK$1,895/mo
Today · 4.125%
HK$63,708
baseline
▲ 0.50% · 4.625%
HK$67,584
+HK$3,876/mo
Deposit HK$8.76M · loan HK$13.15M · min. income ≈ HK$127,416/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$931,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,692
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$68,481
−HK$1,814/mo
Today · 4.125%
HK$70,295
baseline
▲ 0.50% · 4.625%
HK$74,001
+HK$3,706/mo
Deposit HK$8.76M · loan HK$13.15M · min. income ≈ HK$140,590/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$931,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,940
−HK$4,386/mo
▼ 0.25% · 3.875%
HK$72,116
−HK$2,210/mo
Today · 4.125%
HK$74,326
baseline
▲ 0.50% · 4.625%
HK$78,849
+HK$4,523/mo
Deposit HK$6.57M · loan HK$15.34M · min. income ≈ HK$148,652/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$931,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,808
−HK$4,203/mo
▼ 0.25% · 3.875%
HK$79,894
−HK$2,117/mo
Today · 4.125%
HK$82,011
baseline
▲ 0.50% · 4.625%
HK$86,334
+HK$4,323/mo
Deposit HK$6.57M · loan HK$15.34M · min. income ≈ HK$164,022/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$931,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,923
−HK$5,639/mo
▼ 0.25% · 3.875%
HK$92,720
−HK$2,842/mo
Today · 4.125%
HK$95,562
baseline
▲ 0.50% · 4.625%
HK$101,377
+HK$5,815/mo
Deposit HK$2.19M · loan HK$19.72M · min. income ≈ HK$191,124/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,038
−HK$5,405/mo
▼ 0.25% · 3.875%
HK$102,721
−HK$2,722/mo
Today · 4.125%
HK$105,443
baseline
▲ 0.50% · 4.625%
HK$111,001
+HK$5,558/mo
Deposit HK$2.19M · loan HK$19.72M · min. income ≈ HK$210,886/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,116 · Scale 2, in force from 26 Feb 2026)