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$49,952
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$51,506
−HK$1,578/mo
Today · 4.125%
HK$53,084
baseline
▲ 0.50% · 4.625%
HK$56,315
+HK$3,231/mo
Deposit HK$10.95M · loan HK$10.95M · min. income ≈ HK$106,168/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$931,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,571
−HK$3,002/mo
▼ 0.25% · 3.875%
HK$57,062
−HK$1,511/mo
Today · 4.125%
HK$58,573
baseline
▲ 0.50% · 4.625%
HK$61,661
+HK$3,088/mo
Deposit HK$10.95M · loan HK$10.95M · min. income ≈ HK$117,146/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$931,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,942
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$61,807
−HK$1,894/mo
Today · 4.125%
HK$63,701
baseline
▲ 0.50% · 4.625%
HK$67,577
+HK$3,876/mo
Deposit HK$8.76M · loan HK$13.14M · min. income ≈ HK$127,402/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$931,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,685
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$68,474
−HK$1,814/mo
Today · 4.125%
HK$70,288
baseline
▲ 0.50% · 4.625%
HK$73,993
+HK$3,705/mo
Deposit HK$8.76M · loan HK$13.14M · min. income ≈ HK$140,576/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$931,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,933
−HK$4,385/mo
▼ 0.25% · 3.875%
HK$72,108
−HK$2,210/mo
Today · 4.125%
HK$74,318
baseline
▲ 0.50% · 4.625%
HK$78,840
+HK$4,522/mo
Deposit HK$6.57M · loan HK$15.33M · min. income ≈ HK$148,636/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$931,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,800
−HK$4,203/mo
▼ 0.25% · 3.875%
HK$79,886
−HK$2,117/mo
Today · 4.125%
HK$82,003
baseline
▲ 0.50% · 4.625%
HK$86,325
+HK$4,322/mo
Deposit HK$6.57M · loan HK$15.33M · min. income ≈ HK$164,006/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$931,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,914
−HK$5,638/mo
▼ 0.25% · 3.875%
HK$92,710
−HK$2,842/mo
Today · 4.125%
HK$95,552
baseline
▲ 0.50% · 4.625%
HK$101,366
+HK$5,814/mo
Deposit HK$2.19M · loan HK$19.72M · min. income ≈ HK$191,104/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,028
−HK$5,404/mo
▼ 0.25% · 3.875%
HK$102,711
−HK$2,721/mo
Today · 4.125%
HK$105,432
baseline
▲ 0.50% · 4.625%
HK$110,990
+HK$5,558/mo
Deposit HK$2.19M · loan HK$19.72M · min. income ≈ HK$210,864/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,019 · Scale 2, in force from 26 Feb 2026)