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$49,931
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$51,484
−HK$1,578/mo
Today · 4.125%
HK$53,062
baseline
▲ 0.50% · 4.625%
HK$56,290
+HK$3,228/mo
Deposit HK$10.95M · loan HK$10.95M · min. income ≈ HK$106,124/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$930,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,547
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$57,037
−HK$1,511/mo
Today · 4.125%
HK$58,548
baseline
▲ 0.50% · 4.625%
HK$61,634
+HK$3,086/mo
Deposit HK$10.95M · loan HK$10.95M · min. income ≈ HK$117,096/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$930,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,917
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$61,780
−HK$1,894/mo
Today · 4.125%
HK$63,674
baseline
▲ 0.50% · 4.625%
HK$67,548
+HK$3,874/mo
Deposit HK$8.76M · loan HK$13.14M · min. income ≈ HK$127,348/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$930,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,657
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$68,444
−HK$1,814/mo
Today · 4.125%
HK$70,258
baseline
▲ 0.50% · 4.625%
HK$73,961
+HK$3,703/mo
Deposit HK$8.76M · loan HK$13.14M · min. income ≈ HK$140,516/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$930,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,903
−HK$4,383/mo
▼ 0.25% · 3.875%
HK$72,077
−HK$2,209/mo
Today · 4.125%
HK$74,286
baseline
▲ 0.50% · 4.625%
HK$78,806
+HK$4,520/mo
Deposit HK$6.57M · loan HK$15.33M · min. income ≈ HK$148,572/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$930,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,766
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$79,852
−HK$2,116/mo
Today · 4.125%
HK$81,968
baseline
▲ 0.50% · 4.625%
HK$86,288
+HK$4,320/mo
Deposit HK$6.57M · loan HK$15.33M · min. income ≈ HK$163,936/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$930,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,875
−HK$5,636/mo
▼ 0.25% · 3.875%
HK$92,671
−HK$2,840/mo
Today · 4.125%
HK$95,511
baseline
▲ 0.50% · 4.625%
HK$101,323
+HK$5,812/mo
Deposit HK$2.19M · loan HK$19.71M · min. income ≈ HK$191,022/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,985
−HK$5,402/mo
▼ 0.25% · 3.875%
HK$102,667
−HK$2,720/mo
Today · 4.125%
HK$105,387
baseline
▲ 0.50% · 4.625%
HK$110,942
+HK$5,555/mo
Deposit HK$2.19M · loan HK$19.71M · min. income ≈ HK$210,774/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,619 · Scale 2, in force from 26 Feb 2026)