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$49,869
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$51,420
−HK$1,576/mo
Today · 4.125%
HK$52,996
baseline
▲ 0.50% · 4.625%
HK$56,221
+HK$3,225/mo
Deposit HK$10.94M · loan HK$10.94M · min. income ≈ HK$105,992/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$929,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,479
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$56,967
−HK$1,509/mo
Today · 4.125%
HK$58,476
baseline
▲ 0.50% · 4.625%
HK$61,559
+HK$3,083/mo
Deposit HK$10.94M · loan HK$10.94M · min. income ≈ HK$116,952/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$929,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,843
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$61,705
−HK$1,891/mo
Today · 4.125%
HK$63,596
baseline
▲ 0.50% · 4.625%
HK$67,465
+HK$3,869/mo
Deposit HK$8.75M · loan HK$13.12M · min. income ≈ HK$127,192/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$929,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,575
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$68,360
−HK$1,812/mo
Today · 4.125%
HK$70,172
baseline
▲ 0.50% · 4.625%
HK$73,870
+HK$3,698/mo
Deposit HK$8.75M · loan HK$13.12M · min. income ≈ HK$140,344/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$929,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,817
−HK$4,378/mo
▼ 0.25% · 3.875%
HK$71,989
−HK$2,206/mo
Today · 4.125%
HK$74,195
baseline
▲ 0.50% · 4.625%
HK$78,710
+HK$4,515/mo
Deposit HK$6.56M · loan HK$15.31M · min. income ≈ HK$148,390/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$929,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,671
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$79,754
−HK$2,113/mo
Today · 4.125%
HK$81,867
baseline
▲ 0.50% · 4.625%
HK$86,182
+HK$4,315/mo
Deposit HK$6.56M · loan HK$15.31M · min. income ≈ HK$163,734/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$929,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,765
−HK$5,629/mo
▼ 0.25% · 3.875%
HK$92,557
−HK$2,837/mo
Today · 4.125%
HK$95,394
baseline
▲ 0.50% · 4.625%
HK$101,198
+HK$5,804/mo
Deposit HK$2.19M · loan HK$19.68M · min. income ≈ HK$190,788/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$929,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,862
−HK$5,395/mo
▼ 0.25% · 3.875%
HK$102,540
−HK$2,717/mo
Today · 4.125%
HK$105,257
baseline
▲ 0.50% · 4.625%
HK$110,806
+HK$5,549/mo
Deposit HK$2.19M · loan HK$19.68M · min. income ≈ HK$210,514/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$929,476 · Scale 2, in force from 26 Feb 2026)