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$49,875
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$51,426
−HK$1,576/mo
Today · 4.125%
HK$53,002
baseline
▲ 0.50% · 4.625%
HK$56,227
+HK$3,225/mo
Deposit HK$10.94M · loan HK$10.94M · min. income ≈ HK$106,004/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$929,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,485
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$56,973
−HK$1,510/mo
Today · 4.125%
HK$58,483
baseline
▲ 0.50% · 4.625%
HK$61,565
+HK$3,082/mo
Deposit HK$10.94M · loan HK$10.94M · min. income ≈ HK$116,966/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$929,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,850
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$61,711
−HK$1,892/mo
Today · 4.125%
HK$63,603
baseline
▲ 0.50% · 4.625%
HK$67,473
+HK$3,870/mo
Deposit HK$8.75M · loan HK$13.12M · min. income ≈ HK$127,206/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$929,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,582
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$68,368
−HK$1,811/mo
Today · 4.125%
HK$70,179
baseline
▲ 0.50% · 4.625%
HK$73,878
+HK$3,699/mo
Deposit HK$8.75M · loan HK$13.12M · min. income ≈ HK$140,358/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$929,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,824
−HK$4,379/mo
▼ 0.25% · 3.875%
HK$71,996
−HK$2,207/mo
Today · 4.125%
HK$74,203
baseline
▲ 0.50% · 4.625%
HK$78,718
+HK$4,515/mo
Deposit HK$6.56M · loan HK$15.31M · min. income ≈ HK$148,406/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$929,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,679
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$79,762
−HK$2,114/mo
Today · 4.125%
HK$81,876
baseline
▲ 0.50% · 4.625%
HK$86,192
+HK$4,316/mo
Deposit HK$6.56M · loan HK$15.31M · min. income ≈ HK$163,752/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$929,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,774
−HK$5,630/mo
▼ 0.25% · 3.875%
HK$92,567
−HK$2,837/mo
Today · 4.125%
HK$95,404
baseline
▲ 0.50% · 4.625%
HK$101,209
+HK$5,805/mo
Deposit HK$2.19M · loan HK$19.69M · min. income ≈ HK$190,808/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$929,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,873
−HK$5,396/mo
▼ 0.25% · 3.875%
HK$102,552
−HK$2,717/mo
Today · 4.125%
HK$105,269
baseline
▲ 0.50% · 4.625%
HK$110,818
+HK$5,549/mo
Deposit HK$2.19M · loan HK$19.69M · min. income ≈ HK$210,538/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$929,576 · Scale 2, in force from 26 Feb 2026)