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$49,961
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$51,515
−HK$1,579/mo
Today · 4.125%
HK$53,094
baseline
▲ 0.50% · 4.625%
HK$56,325
+HK$3,231/mo
Deposit HK$10.96M · loan HK$10.96M · min. income ≈ HK$106,188/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$931,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,581
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$57,072
−HK$1,512/mo
Today · 4.125%
HK$58,584
baseline
▲ 0.50% · 4.625%
HK$61,672
+HK$3,088/mo
Deposit HK$10.96M · loan HK$10.96M · min. income ≈ HK$117,168/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$931,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,953
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$61,818
−HK$1,895/mo
Today · 4.125%
HK$63,713
baseline
▲ 0.50% · 4.625%
HK$67,590
+HK$3,877/mo
Deposit HK$8.76M · loan HK$13.15M · min. income ≈ HK$127,426/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$931,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,697
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$68,486
−HK$1,815/mo
Today · 4.125%
HK$70,301
baseline
▲ 0.50% · 4.625%
HK$74,007
+HK$3,706/mo
Deposit HK$8.76M · loan HK$13.15M · min. income ≈ HK$140,602/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$931,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,946
−HK$4,386/mo
▼ 0.25% · 3.875%
HK$72,121
−HK$2,211/mo
Today · 4.125%
HK$74,332
baseline
▲ 0.50% · 4.625%
HK$78,855
+HK$4,523/mo
Deposit HK$6.57M · loan HK$15.34M · min. income ≈ HK$148,664/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$931,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,814
−HK$4,204/mo
▼ 0.25% · 3.875%
HK$79,901
−HK$2,117/mo
Today · 4.125%
HK$82,018
baseline
▲ 0.50% · 4.625%
HK$86,341
+HK$4,323/mo
Deposit HK$6.57M · loan HK$15.34M · min. income ≈ HK$164,036/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$931,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,930
−HK$5,639/mo
▼ 0.25% · 3.875%
HK$92,727
−HK$2,842/mo
Today · 4.125%
HK$95,569
baseline
▲ 0.50% · 4.625%
HK$101,384
+HK$5,815/mo
Deposit HK$2.19M · loan HK$19.72M · min. income ≈ HK$191,138/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,046
−HK$5,405/mo
▼ 0.25% · 3.875%
HK$102,729
−HK$2,722/mo
Today · 4.125%
HK$105,451
baseline
▲ 0.50% · 4.625%
HK$111,010
+HK$5,559/mo
Deposit HK$2.19M · loan HK$19.72M · min. income ≈ HK$210,902/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,188 · Scale 2, in force from 26 Feb 2026)