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$49,998
−HK$3,135/mo
▼ 0.25% · 3.875%
HK$51,553
−HK$1,580/mo
Today · 4.125%
HK$53,133
baseline
▲ 0.50% · 4.625%
HK$56,366
+HK$3,233/mo
Deposit HK$10.96M · loan HK$10.96M · min. income ≈ HK$106,266/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$931,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,622
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$57,114
−HK$1,513/mo
Today · 4.125%
HK$58,627
baseline
▲ 0.50% · 4.625%
HK$61,717
+HK$3,090/mo
Deposit HK$10.96M · loan HK$10.96M · min. income ≈ HK$117,254/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$931,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,997
−HK$3,763/mo
▼ 0.25% · 3.875%
HK$61,864
−HK$1,896/mo
Today · 4.125%
HK$63,760
baseline
▲ 0.50% · 4.625%
HK$67,639
+HK$3,879/mo
Deposit HK$8.77M · loan HK$13.16M · min. income ≈ HK$127,520/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$931,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,746
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$68,537
−HK$1,816/mo
Today · 4.125%
HK$70,353
baseline
▲ 0.50% · 4.625%
HK$74,061
+HK$3,708/mo
Deposit HK$8.77M · loan HK$13.16M · min. income ≈ HK$140,706/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$931,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,997
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$72,174
−HK$2,212/mo
Today · 4.125%
HK$74,386
baseline
▲ 0.50% · 4.625%
HK$78,913
+HK$4,527/mo
Deposit HK$6.58M · loan HK$15.35M · min. income ≈ HK$148,772/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$931,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,871
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$79,959
−HK$2,119/mo
Today · 4.125%
HK$82,078
baseline
▲ 0.50% · 4.625%
HK$86,404
+HK$4,326/mo
Deposit HK$6.58M · loan HK$15.35M · min. income ≈ HK$164,156/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$931,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,996
−HK$5,644/mo
▼ 0.25% · 3.875%
HK$92,795
−HK$2,845/mo
Today · 4.125%
HK$95,640
baseline
▲ 0.50% · 4.625%
HK$101,459
+HK$5,819/mo
Deposit HK$2.19M · loan HK$19.73M · min. income ≈ HK$191,280/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,120
−HK$5,409/mo
▼ 0.25% · 3.875%
HK$102,805
−HK$2,724/mo
Today · 4.125%
HK$105,529
baseline
▲ 0.50% · 4.625%
HK$111,091
+HK$5,562/mo
Deposit HK$2.19M · loan HK$19.73M · min. income ≈ HK$211,058/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,872 · Scale 2, in force from 26 Feb 2026)