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$49,987
−HK$3,135/mo
▼ 0.25% · 3.875%
HK$51,542
−HK$1,580/mo
Today · 4.125%
HK$53,122
baseline
▲ 0.50% · 4.625%
HK$56,354
+HK$3,232/mo
Deposit HK$10.96M · loan HK$10.96M · min. income ≈ HK$106,244/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$931,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,610
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$57,102
−HK$1,513/mo
Today · 4.125%
HK$58,615
baseline
▲ 0.50% · 4.625%
HK$61,704
+HK$3,089/mo
Deposit HK$10.96M · loan HK$10.96M · min. income ≈ HK$117,230/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$931,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,985
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$61,851
−HK$1,895/mo
Today · 4.125%
HK$63,746
baseline
▲ 0.50% · 4.625%
HK$67,625
+HK$3,879/mo
Deposit HK$8.77M · loan HK$13.15M · min. income ≈ HK$127,492/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$931,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,732
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$68,522
−HK$1,816/mo
Today · 4.125%
HK$70,338
baseline
▲ 0.50% · 4.625%
HK$74,045
+HK$3,707/mo
Deposit HK$8.77M · loan HK$13.15M · min. income ≈ HK$140,676/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$931,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,982
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$72,159
−HK$2,212/mo
Today · 4.125%
HK$74,371
baseline
▲ 0.50% · 4.625%
HK$78,896
+HK$4,525/mo
Deposit HK$6.58M · loan HK$15.35M · min. income ≈ HK$148,742/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$931,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,854
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$79,942
−HK$2,119/mo
Today · 4.125%
HK$82,061
baseline
▲ 0.50% · 4.625%
HK$86,386
+HK$4,325/mo
Deposit HK$6.58M · loan HK$15.35M · min. income ≈ HK$164,122/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$931,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,977
−HK$5,642/mo
▼ 0.25% · 3.875%
HK$92,776
−HK$2,843/mo
Today · 4.125%
HK$95,619
baseline
▲ 0.50% · 4.625%
HK$101,438
+HK$5,819/mo
Deposit HK$2.19M · loan HK$19.73M · min. income ≈ HK$191,238/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,098
−HK$5,408/mo
▼ 0.25% · 3.875%
HK$102,783
−HK$2,723/mo
Today · 4.125%
HK$105,506
baseline
▲ 0.50% · 4.625%
HK$111,068
+HK$5,562/mo
Deposit HK$2.19M · loan HK$19.73M · min. income ≈ HK$211,012/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,675 · Scale 2, in force from 26 Feb 2026)