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$49,935
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$51,488
−HK$1,578/mo
Today · 4.125%
HK$53,066
baseline
▲ 0.50% · 4.625%
HK$56,295
+HK$3,229/mo
Deposit HK$10.95M · loan HK$10.95M · min. income ≈ HK$106,132/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$930,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,552
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$57,042
−HK$1,511/mo
Today · 4.125%
HK$58,553
baseline
▲ 0.50% · 4.625%
HK$61,639
+HK$3,086/mo
Deposit HK$10.95M · loan HK$10.95M · min. income ≈ HK$117,106/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$930,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,922
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$61,785
−HK$1,894/mo
Today · 4.125%
HK$63,679
baseline
▲ 0.50% · 4.625%
HK$67,554
+HK$3,875/mo
Deposit HK$8.76M · loan HK$13.14M · min. income ≈ HK$127,358/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$930,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,662
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$68,450
−HK$1,814/mo
Today · 4.125%
HK$70,264
baseline
▲ 0.50% · 4.625%
HK$73,967
+HK$3,703/mo
Deposit HK$8.76M · loan HK$13.14M · min. income ≈ HK$140,528/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$930,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,908
−HK$4,384/mo
▼ 0.25% · 3.875%
HK$72,083
−HK$2,209/mo
Today · 4.125%
HK$74,292
baseline
▲ 0.50% · 4.625%
HK$78,813
+HK$4,521/mo
Deposit HK$6.57M · loan HK$15.33M · min. income ≈ HK$148,584/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$930,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,772
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$79,858
−HK$2,116/mo
Today · 4.125%
HK$81,974
baseline
▲ 0.50% · 4.625%
HK$86,295
+HK$4,321/mo
Deposit HK$6.57M · loan HK$15.33M · min. income ≈ HK$163,948/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$930,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,882
−HK$5,637/mo
▼ 0.25% · 3.875%
HK$92,678
−HK$2,841/mo
Today · 4.125%
HK$95,519
baseline
▲ 0.50% · 4.625%
HK$101,331
+HK$5,812/mo
Deposit HK$2.19M · loan HK$19.71M · min. income ≈ HK$191,038/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,993
−HK$5,402/mo
▼ 0.25% · 3.875%
HK$102,675
−HK$2,720/mo
Today · 4.125%
HK$105,395
baseline
▲ 0.50% · 4.625%
HK$110,951
+HK$5,556/mo
Deposit HK$2.19M · loan HK$19.71M · min. income ≈ HK$210,790/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,694 · Scale 2, in force from 26 Feb 2026)