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$10.93M · loan HK$10.93M · min. income ≈ HK$105,992/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$929,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,479
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$56,966
−HK$1,510/mo
Today · 4.125%
HK$58,476
baseline
▲ 0.50% · 4.625%
HK$61,558
+HK$3,082/mo
Deposit HK$10.93M · loan HK$10.93M · min. income ≈ HK$116,952/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$929,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,843
−HK$3,752/mo
▼ 0.25% · 3.875%
HK$61,704
−HK$1,891/mo
Today · 4.125%
HK$63,595
baseline
▲ 0.50% · 4.625%
HK$67,465
+HK$3,870/mo
Deposit HK$8.75M · loan HK$13.12M · min. income ≈ HK$127,190/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$929,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,574
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$68,360
−HK$1,811/mo
Today · 4.125%
HK$70,171
baseline
▲ 0.50% · 4.625%
HK$73,870
+HK$3,699/mo
Deposit HK$8.75M · loan HK$13.12M · min. income ≈ HK$140,342/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$929,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,816
−HK$4,378/mo
▼ 0.25% · 3.875%
HK$71,988
−HK$2,206/mo
Today · 4.125%
HK$74,194
baseline
▲ 0.50% · 4.625%
HK$78,709
+HK$4,515/mo
Deposit HK$6.56M · loan HK$15.31M · min. income ≈ HK$148,388/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$929,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,670
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$79,753
−HK$2,113/mo
Today · 4.125%
HK$81,866
baseline
▲ 0.50% · 4.625%
HK$86,182
+HK$4,316/mo
Deposit HK$6.56M · loan HK$15.31M · min. income ≈ HK$163,732/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$929,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,764
−HK$5,629/mo
▼ 0.25% · 3.875%
HK$92,556
−HK$2,837/mo
Today · 4.125%
HK$95,393
baseline
▲ 0.50% · 4.625%
HK$101,197
+HK$5,804/mo
Deposit HK$2.19M · loan HK$19.68M · min. income ≈ HK$190,786/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$929,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,861
−HK$5,396/mo
▼ 0.25% · 3.875%
HK$102,540
−HK$2,717/mo
Today · 4.125%
HK$105,257
baseline
▲ 0.50% · 4.625%
HK$110,805
+HK$5,548/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$929,468 · Scale 2, in force from 26 Feb 2026)