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$49,825
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$51,375
−HK$1,575/mo
Today · 4.125%
HK$52,950
baseline
▲ 0.50% · 4.625%
HK$56,172
+HK$3,222/mo
Deposit HK$10.93M · loan HK$10.93M · min. income ≈ HK$105,900/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$928,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,430
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$56,917
−HK$1,508/mo
Today · 4.125%
HK$58,425
baseline
▲ 0.50% · 4.625%
HK$61,504
+HK$3,079/mo
Deposit HK$10.93M · loan HK$10.93M · min. income ≈ HK$116,850/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$928,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,790
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$61,650
−HK$1,890/mo
Today · 4.125%
HK$63,540
baseline
▲ 0.50% · 4.625%
HK$67,406
+HK$3,866/mo
Deposit HK$8.74M · loan HK$13.11M · min. income ≈ HK$127,080/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$928,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,516
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$68,300
−HK$1,810/mo
Today · 4.125%
HK$70,110
baseline
▲ 0.50% · 4.625%
HK$73,805
+HK$3,695/mo
Deposit HK$8.74M · loan HK$13.11M · min. income ≈ HK$140,220/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$928,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,755
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$71,925
−HK$2,205/mo
Today · 4.125%
HK$74,130
baseline
▲ 0.50% · 4.625%
HK$78,640
+HK$4,510/mo
Deposit HK$6.56M · loan HK$15.30M · min. income ≈ HK$148,260/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$928,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,602
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$79,683
−HK$2,112/mo
Today · 4.125%
HK$81,795
baseline
▲ 0.50% · 4.625%
HK$86,106
+HK$4,311/mo
Deposit HK$6.56M · loan HK$15.30M · min. income ≈ HK$163,590/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$928,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,685
−HK$5,624/mo
▼ 0.25% · 3.875%
HK$92,475
−HK$2,834/mo
Today · 4.125%
HK$95,309
baseline
▲ 0.50% · 4.625%
HK$101,109
+HK$5,800/mo
Deposit HK$2.19M · loan HK$19.67M · min. income ≈ HK$190,618/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,774
−HK$5,390/mo
▼ 0.25% · 3.875%
HK$102,450
−HK$2,714/mo
Today · 4.125%
HK$105,164
baseline
▲ 0.50% · 4.625%
HK$110,708
+HK$5,544/mo
Deposit HK$2.19M · loan HK$19.67M · min. income ≈ HK$210,328/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,655 · Scale 2, in force from 26 Feb 2026)