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$49,937
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$51,490
−HK$1,578/mo
Today · 4.125%
HK$53,068
baseline
▲ 0.50% · 4.625%
HK$56,297
+HK$3,229/mo
Deposit HK$10.95M · loan HK$10.95M · min. income ≈ HK$106,136/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$930,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,554
−HK$3,002/mo
▼ 0.25% · 3.875%
HK$57,044
−HK$1,512/mo
Today · 4.125%
HK$58,556
baseline
▲ 0.50% · 4.625%
HK$61,642
+HK$3,086/mo
Deposit HK$10.95M · loan HK$10.95M · min. income ≈ HK$117,112/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$930,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,924
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$61,788
−HK$1,894/mo
Today · 4.125%
HK$63,682
baseline
▲ 0.50% · 4.625%
HK$67,557
+HK$3,875/mo
Deposit HK$8.76M · loan HK$13.14M · min. income ≈ HK$127,364/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$930,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,665
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$68,453
−HK$1,814/mo
Today · 4.125%
HK$70,267
baseline
▲ 0.50% · 4.625%
HK$73,971
+HK$3,704/mo
Deposit HK$8.76M · loan HK$13.14M · min. income ≈ HK$140,534/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$930,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,912
−HK$4,384/mo
▼ 0.25% · 3.875%
HK$72,086
−HK$2,210/mo
Today · 4.125%
HK$74,296
baseline
▲ 0.50% · 4.625%
HK$78,816
+HK$4,520/mo
Deposit HK$6.57M · loan HK$15.33M · min. income ≈ HK$148,592/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$930,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,776
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$79,862
−HK$2,116/mo
Today · 4.125%
HK$81,978
baseline
▲ 0.50% · 4.625%
HK$86,299
+HK$4,321/mo
Deposit HK$6.57M · loan HK$15.33M · min. income ≈ HK$163,956/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$930,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,886
−HK$5,637/mo
▼ 0.25% · 3.875%
HK$92,682
−HK$2,841/mo
Today · 4.125%
HK$95,523
baseline
▲ 0.50% · 4.625%
HK$101,335
+HK$5,812/mo
Deposit HK$2.19M · loan HK$19.71M · min. income ≈ HK$191,046/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,998
−HK$5,402/mo
▼ 0.25% · 3.875%
HK$102,680
−HK$2,720/mo
Today · 4.125%
HK$105,400
baseline
▲ 0.50% · 4.625%
HK$110,956
+HK$5,556/mo
Deposit HK$2.19M · loan HK$19.71M · min. income ≈ HK$210,800/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,736 · Scale 2, in force from 26 Feb 2026)