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$49,921
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$51,474
−HK$1,578/mo
Today · 4.125%
HK$53,052
baseline
▲ 0.50% · 4.625%
HK$56,280
+HK$3,228/mo
Deposit HK$10.95M · loan HK$10.95M · min. income ≈ HK$106,104/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$930,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,537
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$57,026
−HK$1,511/mo
Today · 4.125%
HK$58,537
baseline
▲ 0.50% · 4.625%
HK$61,623
+HK$3,086/mo
Deposit HK$10.95M · loan HK$10.95M · min. income ≈ HK$117,074/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$930,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,905
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$61,769
−HK$1,893/mo
Today · 4.125%
HK$63,662
baseline
▲ 0.50% · 4.625%
HK$67,536
+HK$3,874/mo
Deposit HK$8.76M · loan HK$13.14M · min. income ≈ HK$127,324/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$930,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,644
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$68,431
−HK$1,814/mo
Today · 4.125%
HK$70,245
baseline
▲ 0.50% · 4.625%
HK$73,947
+HK$3,702/mo
Deposit HK$8.76M · loan HK$13.14M · min. income ≈ HK$140,490/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$930,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,890
−HK$4,382/mo
▼ 0.25% · 3.875%
HK$72,063
−HK$2,209/mo
Today · 4.125%
HK$74,272
baseline
▲ 0.50% · 4.625%
HK$78,791
+HK$4,519/mo
Deposit HK$6.57M · loan HK$15.32M · min. income ≈ HK$148,544/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$930,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,751
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$79,837
−HK$2,115/mo
Today · 4.125%
HK$81,952
baseline
▲ 0.50% · 4.625%
HK$86,272
+HK$4,320/mo
Deposit HK$6.57M · loan HK$15.32M · min. income ≈ HK$163,904/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$930,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,858
−HK$5,635/mo
▼ 0.25% · 3.875%
HK$92,653
−HK$2,840/mo
Today · 4.125%
HK$95,493
baseline
▲ 0.50% · 4.625%
HK$101,303
+HK$5,810/mo
Deposit HK$2.19M · loan HK$19.70M · min. income ≈ HK$190,986/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,966
−HK$5,401/mo
▼ 0.25% · 3.875%
HK$102,647
−HK$2,720/mo
Today · 4.125%
HK$105,367
baseline
▲ 0.50% · 4.625%
HK$110,921
+HK$5,554/mo
Deposit HK$2.19M · loan HK$19.70M · min. income ≈ HK$210,734/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,442 · Scale 2, in force from 26 Feb 2026)