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$49,851
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$51,401
−HK$1,576/mo
Today · 4.125%
HK$52,977
baseline
▲ 0.50% · 4.625%
HK$56,200
+HK$3,223/mo
Deposit HK$10.93M · loan HK$10.93M · min. income ≈ HK$105,954/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$929,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,458
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$56,946
−HK$1,509/mo
Today · 4.125%
HK$58,455
baseline
▲ 0.50% · 4.625%
HK$61,536
+HK$3,081/mo
Deposit HK$10.93M · loan HK$10.93M · min. income ≈ HK$116,910/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$929,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,821
−HK$3,751/mo
▼ 0.25% · 3.875%
HK$61,682
−HK$1,890/mo
Today · 4.125%
HK$63,572
baseline
▲ 0.50% · 4.625%
HK$67,440
+HK$3,868/mo
Deposit HK$8.74M · loan HK$13.12M · min. income ≈ HK$127,144/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$929,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,550
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$68,335
−HK$1,810/mo
Today · 4.125%
HK$70,145
baseline
▲ 0.50% · 4.625%
HK$73,843
+HK$3,698/mo
Deposit HK$8.74M · loan HK$13.12M · min. income ≈ HK$140,290/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$929,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,791
−HK$4,376/mo
▼ 0.25% · 3.875%
HK$71,962
−HK$2,205/mo
Today · 4.125%
HK$74,167
baseline
▲ 0.50% · 4.625%
HK$78,680
+HK$4,513/mo
Deposit HK$6.56M · loan HK$15.30M · min. income ≈ HK$148,334/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$929,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,642
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$79,724
−HK$2,112/mo
Today · 4.125%
HK$81,836
baseline
▲ 0.50% · 4.625%
HK$86,150
+HK$4,314/mo
Deposit HK$6.56M · loan HK$15.30M · min. income ≈ HK$163,672/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$929,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,731
−HK$5,627/mo
▼ 0.25% · 3.875%
HK$92,522
−HK$2,836/mo
Today · 4.125%
HK$95,358
baseline
▲ 0.50% · 4.625%
HK$101,160
+HK$5,802/mo
Deposit HK$2.19M · loan HK$19.68M · min. income ≈ HK$190,716/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$929,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,825
−HK$5,393/mo
▼ 0.25% · 3.875%
HK$102,502
−HK$2,716/mo
Today · 4.125%
HK$105,218
baseline
▲ 0.50% · 4.625%
HK$110,764
+HK$5,546/mo
Deposit HK$2.19M · loan HK$19.68M · min. income ≈ HK$210,436/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$929,129 · Scale 2, in force from 26 Feb 2026)