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$49,828
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$51,378
−HK$1,575/mo
Today · 4.125%
HK$52,953
baseline
▲ 0.50% · 4.625%
HK$56,175
+HK$3,222/mo
Deposit HK$10.93M · loan HK$10.93M · min. income ≈ HK$105,906/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$928,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,433
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$56,920
−HK$1,508/mo
Today · 4.125%
HK$58,428
baseline
▲ 0.50% · 4.625%
HK$61,508
+HK$3,080/mo
Deposit HK$10.93M · loan HK$10.93M · min. income ≈ HK$116,856/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$928,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,794
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$61,654
−HK$1,889/mo
Today · 4.125%
HK$63,543
baseline
▲ 0.50% · 4.625%
HK$67,410
+HK$3,867/mo
Deposit HK$8.74M · loan HK$13.11M · min. income ≈ HK$127,086/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$928,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,520
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$68,304
−HK$1,810/mo
Today · 4.125%
HK$70,114
baseline
▲ 0.50% · 4.625%
HK$73,810
+HK$3,696/mo
Deposit HK$8.74M · loan HK$13.11M · min. income ≈ HK$140,228/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$928,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,759
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$71,929
−HK$2,205/mo
Today · 4.125%
HK$74,134
baseline
▲ 0.50% · 4.625%
HK$78,645
+HK$4,511/mo
Deposit HK$6.56M · loan HK$15.30M · min. income ≈ HK$148,268/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$928,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,607
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$79,688
−HK$2,111/mo
Today · 4.125%
HK$81,799
baseline
▲ 0.50% · 4.625%
HK$86,111
+HK$4,312/mo
Deposit HK$6.56M · loan HK$15.30M · min. income ≈ HK$163,598/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$928,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,691
−HK$5,624/mo
▼ 0.25% · 3.875%
HK$92,480
−HK$2,835/mo
Today · 4.125%
HK$95,315
baseline
▲ 0.50% · 4.625%
HK$101,115
+HK$5,800/mo
Deposit HK$2.19M · loan HK$19.67M · min. income ≈ HK$190,630/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,780
−HK$5,391/mo
▼ 0.25% · 3.875%
HK$102,456
−HK$2,715/mo
Today · 4.125%
HK$105,171
baseline
▲ 0.50% · 4.625%
HK$110,714
+HK$5,543/mo
Deposit HK$2.19M · loan HK$19.67M · min. income ≈ HK$210,342/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,709 · Scale 2, in force from 26 Feb 2026)